Rent Reporting to Credit Reporting Agencies

HB 1355 2026

CODING: Words stricken are deletions; words underlined are additions.
hb1355-00
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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

A bill to be entitled 1
An act relating to rent reporting to credit reporting 2
agencies; creating s. 83.684, F.S.; defining the terms 3
"credit reporting agency" and "rent reporting 4
service"; authorizing a landlord to report a tenant's 5
rent payment history to credit reporting agencies 6
under certain circumstances; requiring a tenant to 7
provide written consent to participate in rent 8
reporting; providing requirements for such consent 9
form; authorizing a tenant to opt out of rent 10
reporting at any time without penalty; providing 11
notice requirements; authorizing a landlord to charge 12
a specified fee for providing rent reporting services; 13
prohibiting a landlord from taking certain actions; 14
authorizing a landlord to stop reporting a tenant's 15
rental payments under certain circumstances; 16
prohibiting a tenant from participating in rent 17
reporting for a specified amount of time under certain 18
circumstances; prohibiting a landlord from taking 19
retaliatory actions if a tenant refuses, declines, or 20
opts out of rent reporting; providing applicability; 21
providing an effective date. 22
23
Be It Enacted by the Legislature of the State of Florida: 24
25

HB 1355 2026

CODING: Words stricken are deletions; words underlined are additions.
hb1355-00
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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

Section 1. Section 83.684, Florida Statutes, is created to 26
read: 27
83.684 Rent reporting.— 28
(1) As used in this section, the term: 29
(a) "Credit reporting agency" means an agency that, for 30
monetary fees, dues, or on a cooperative nonprofit basis, 31
regularly engages in whole or in part in the practice of 32
assembling or evaluating consumer credit information or other 33
information on consumers for the purpose of furnishing consumer 34
reports to third parties, and that uses any means or facility of 35
interstate commerce for the purpose of preparing or furnishing 36
consumer reports. The term includes agencies such as Equifax, 37
Experian, and TransUnion. 38
(b) "Rent reporting service" means a third-party service 39
that collects, verifies, and reports rent payment information to 40
a credit reporting agency. 41
(2) A landlord may report a tenant's rent payment history 42
to one or more credit reporting agencies. Rent reporting must be 43
conducted through a rent reporting service or the landlord may 44
report directly to one or more credit reporting agencies if the 45
landlord complies with all applicable state and federal 46
regulations. 47
(3)(a) A landlord must obtain written consent to report 48
rent payments from a tenant when a rental agreement is executed 49
or renewed. 50

HB 1355 2026

CODING: Words stricken are deletions; words underlined are additions.
hb1355-00
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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

(b) The written consent must clearly outline the potential 51
benefits and risks associated with rent reporting, including the 52
possibility of negative reporting if rent payments are not made 53
on time. 54
(c) A tenant must be informed that his or her consent for 55
rent reporting is voluntary and that the tenant may opt out of 56
rent reporting at any time without penalty by mailing or 57
delivering to the landlord a true copy of a written notice to 58
opt out. 59
(d) A landlord must, in accordance with s. 83.56(4), 60
provide a tenant with at least 30 days' written notice if the 61
landlord decides to start or stop reporting rent payments. 62
(4)(a) If a landlord elects to engage in rent reporting, 63
the landlord may require the tenant to pay to the landlord a fee 64
for such service. The fee may not exceed the lesser of the 65
actual cost to the landlord to provide rent reporting services 66
or $10 per month. If the landlord does not incur actual expenses 67
relating to rent reporting, the landlord may not charge the 68
tenant a fee under this subsection. 69
(b) A landlord may not do any of the following: 70
1. Report the payment or nonpayment of the fee to a credit 71
reporting agency. 72
2. Terminate a tenant's rental agreement because the 73
tenant did not pay the fee. 74
3. Deduct the amount of the fee from the tenant's deposit 75

HB 1355 2026

CODING: Words stricken are deletions; words underlined are additions.
hb1355-00
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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

money or rent. 76
(c) If the fee is unpaid for 30 days or more, the landlord 77
may stop reporting the tenant's rental payments to the credit 78
reporting agency or rent reporting service. 79
(5) If a tenant opts out of rent reporting or the tenant 80
fails to pay a fee for rent reporting services under subsection 81
(4), the tenant may not elect to again participate in rent 82
reporting for at least 6 months after the date on which the 83
landlord received the written request to opt out or the date on 84
which the fee under subsection (4) first becomses due. 85
(6) A landlord may not terminate a tenant's rental 86
agreement, increase a tenant's rent, or engage in any other form 87
of retaliation solely because a tenant refuses, declines, or 88
opts out of participating in rent reporting. 89
(7) This section does not apply to a landlord of a 90
residential building that contains 15 or fewer dwelling units 91
unless both of the following apply: 92
(a) The landlord owns more than one residential building, 93
regardless of the number of dwelling units in each building. 94
(b) The landlord is: 95
1. A real estate investment trust; 96
2. A corporation; or 97
3. A limited liability company in which at least one 98
member is a corporation. 99
Section 2. This act shall take effect July 1, 2026. 100