Does Florida require registration for Debt Collection telemarketers?

Yes — Florida requires telemarketer registration before placing calls.

What is the penalty per violation in Florida?

Up to $500 per violation (or $1,500 for willful violations). Private right of action available.

Home / States / Florida

Florida Telecom Compliance Guide

Q: What are the top compliance violations for Debt Collection operators in Florida?

Calling outside FDCPA time restrictions Exceeding call frequency limits Calling cell phones without consent

Telecom Compliance Reference — Updated July 2021

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$500

Registration

Required

Overview Calling Hours Consent Registration DNC Compliance DNC Registry Enforcement Case Law Legislation

Debt Collection Telemarketing Compliance in Florida

Debt collection calling compliance — FDCPA plus TCPA in Florida

⚠

Mini-TCPA State — Fla. Stat. § 501.059

Florida imposes stricter consent and calling requirements than federal TCPA.Debt Collection companies operating here face $500 per-violation penalties.

Penalty/Violation

$500

Willful

$1,500

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Comply with both FDCPA and TCPA — they overlap but differ

✓Do not call before 8 AM or after 9 PM local time

✓Do not call more than 7 times in 7 days per debt

✓Obtain prior express consent to call cell phones

✓Scrub numbers that have requested no further contact

✓Provide validation notice within 5 days of first contact

✓Honor cease-communication requests immediately in writing

✓Do not use obscene language or threats

✓Identify yourself as a debt collector on every call

✓Check if state has its own debt collection act

What Gets Companies Sued

✗Calling outside FDCPA time restrictions

✗Exceeding call frequency limits

✗Calling cell phones without consent

✗Failing to identify as debt collector

✗Ignoring cease-communication requests

Key State Rules

Mini-TCPAYes

RegistrationRequired

Class ActionsAllowed

Consent Requirements→Registration Details→DNC List→

Debt Collection Enforcement in Florida

National Credit Recovery LLC

$285,000

Feb 2024

atds without consentftsa violationsfdcpa violations

Debt collector using predictive dialer to call FL cell phones without written consent. Plaintiff combined FTSA and FDCPA claims — both statutes have private rights of action. Class certification denied (individual debt amounts too varied) but individual plaintiff recovered $4,500 including attorneys' fees. Demonstrates that FTSA + FDCPA combination doubles exposure for debt collectors. Every call to a FL cell phone number using a predictive dialer without written consent is a FTSA violation AND potentially an FDCPA violation.

All enforcement actions in Florida →

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This is a compliance reference tool, not legal advice. Data compiled from public statutes, LegiScan, CourtListener, state AG offices, and AI-assisted analysis. Verify all information with qualified counsel before relying on it. Full terms & data sources →