FLACP POLICY PLATFORM

We are constantly reviewing issues and updating our policy platform. Our goal is to address immediately issues that impact consumers.

Protect consumers from abusive debt collection practices and any loss of current protections from debt collectors, including debt buyers and debt settlement companies, under Florida and federal law

Protect consumers against forced arbitration in contracts

Advocate against predatory lending practices, including high cost loans, payday loans, and automobile title loans

Support standards for all paid tax preparers to protect consumers from incompetence and fraud by tax preparers

Protect consumers from auto fraud and any loss of protections provided by state and federal law

Maintain and enhance protections for homeowners in the origination, servicing, foreclosing and collecting of deficiencies of their home mortgages

Protect and enhance consumer protections under Florida’s consumer protection law, the Florida Deceptive and Unfair Trade Practices Act

Seek relief for consumers from the Nuclear Cost Recovery requirement

Support advocacy and education around student loan debt

Support advocacy and education around consumer’s credit reporting issues

Support advocacy and education against identity theft

Advocate for consumer protection in the Property Assessed Clean Energy (PACE) Program

Protect the rights of residential tenants under Florida law, including those living in subsidized housing and student rentals

Support service members rights in all consumer transactions

CONSUMER PROTECTION

LOANS

  • High cost loans

  • Payday loans

  • Automobile title loans

  • Consumer installment loans

  • Refund anticipation checks

DEBT COLLECTION

  • Florida Consumer Collection Practices Act

  • Federal Fair Debt Collection Practices Act

  • Debt collectors/buyers

  • Debt settlement companies

  • Fair Credit Billing Act

CAR SALES & FINANCING

  • Florida Unfair or Deceptive Acts or Practices, Vehicles

  • Motor vehicles financing

FORECLOSURES

  • Mortgage origination

  • Mortgage servicing

  • Foreclosure

  • Deficiency judgments

  • Fair housing and lending discrimination

OTHER CONSUMER PROTECTION

  • Florida Deceptive and Unfair Trade Practices

  • Utility rights

  • Property insurance protection

  • Garnishment protections

  • Federal protections on arbitration

  • Telephone Consumer Protection Act

TENANT RIGHTS

Florida's Residential Landlord Tenant Act

Rights of tenants in subsidized housing

Lease agreement

Security deposit

Rent Withholding

Maintenance of premises

Termination of rental agreement

Evictions

Tenants in foreclosure

Rights as tenants for domestic violence victims

Phone: (850) 556-3121

Email: alicevickers@flacp.org