Florida Legislative Session 2015 Opens

The Florida 2015 Legislative Session has begun! For the 60 days of session, FLACP will be following bills that impact consumers and tenants. Follow our weekly bill update here, where you can find links to the bills we are following, our bill analysis, and our position – whether we support, oppose or see need for amendments.


FLACP Joins Faith Groups, Legal Services, Florida NAACP, and the Navy-Marine Corp Relief Society in Calling For Strong CFPB Rules to End the Predatory Lending Debt Trap

FLACP joins many other groups in calling on the Florida Congressional Delegation to support the Consumer Financial Protection Bureau’s efforts to end the payday loan debt trap.  CFPB is poised to issue rules to hopefully rein in the worst practices engaged in by the payday lending industry.  This is important in Florida where payday loans carry an interest rate that is 20 times the criminal usury rate. One customer of Advance America in Jacksonville Florida characterized her experience with payday loans this way: “It caught up my bills at the time but I was right back behind because the interest is so high. If you do pay them off, you have to go borrow the money again.” Read the full letter and see the list of groups joining here.



Alice with NACA Executive Director Ira Rheingold

Alice with NACA Executive Director Ira Rheingold

Alice Vickers, Director of FLACP was the recipient of the Consumer Advocate of the Year from the National Association of Consumer Advocates (NACA).  Ira Rheingold, Executive Director of NACA, joined Alice after the award presentation by Lynn Drysdale, FLACP board member.  NACA presented the recognition at its annual meeting during the NACA/NCLC conference in Tampa in November.


Department Of Defense Proposes New Rules To Close Loopholes On Abusive Practices In High Cost Loans To Service Members

FLACP applauds the Department of Defense for issuing proposed rules that protect service members from abusive practices in high cost loans.  The rules cap interest rates at 36% for a wide range of high cost loans sold to service members and their dependents and also would limit mandatory arbitration in the contracts. “Payday lenders and others have taken advantage of every loophole imaginable to continue the reprehensible practice of offering loans at triple digit interest rates with abusive terms to our men and women in uniform,” said Tom Feltner, director of financial services, Consumer Federation of America. Read more about the rules here.


FLACP Board Member Lynn Drysdale named Consumer Protection Lawyer of the Year!

Lynn Drysdale in center with Attorney General Pam Bondi, Morgan and Morgan partner chair of the Consumer Protection Law Committee John Yanchunis and Lynn's family

Lynn Drysdale in center, next to Florida Attorney General Pam Bondi. Joining them on, far right, is John Yanchunis, former chair of the Consumer Protection Law Committee of the Florida Bar and Lynn’s family

Lynn Drysdale, a veteran attorney of Jacksonville Area Legal Aid who teaches consumer law and lectures frequently regarding foreclosure and other consumer pocketbook issues, is the recipient of The Florida Bar’s 2014 Consumer Protection Lawyer of the Year Award.

“After serving on this committee for six years and having been a consumer attorney for many more than that, I am well aware of Drysdale’s work to further consumer law interests,” said John Yanchunis, the 2014 chair of the Consumer Protection Law Committee.

Wrote attorney Alice Vickers, the 2013 winner of the award, in nominating Drysdale:

“Lynn has been engaged in a high-level consumer protection practice for at least 25 years. Over the course of that time, she has handled simple and very complex litigation for low-income consumers, those most vulnerable who have suffered economic injustice. While continuously carrying a full case load at Jacksonville Area Legal Aid, she has managed, supervised, and mentored countless new JALA attorneys and law school interns. But she has also devoted hours to outside efforts, including years of legislative fights over title loans, payday loans, debt collection issues, foreclosure, and many more issues.”  Read the full story here.


FLACP Presents Award To Florida Representative David Santiago

FLACP is proud to present an award to Rep. David Santiago in recognition of his support of consumers during the 2014 Florida Legislative Session.  Rep. Santiago protected the Florida Consumer Collection Practices Act from changes that would have severely eroded consumer protections.  Thank you Rep. Santiago!

FLACP director Alice Vickers presents Rep. Santiago with the plaque recognizing his "support for Florida consumers."

FLACP director Alice Vickers presents Rep. Santiago with the plaque recognizing his “support for Florida consumers.”


The Florida 2014 Legislative Session ended with the legislature filing fewer bills and passing fewer bills than in years past.  One of the most important issues for consumers was maintaining the protections provided under the Florida Consumer Collection Practices Act.  We were successful in our efforts doing this and want to thank Rep. Santiago, bill sponsor, for his leadership in seeing that consumers were protected.  Efforts to create a scheme around residential renter’s insurance failed. Crowdfunding legislation did not move in light of the SEC being in the midst of rulemaking on this issue – we expect to see this legislation return next year.  You can read our full report under our “Legislative” link or here.


We are new! Florida Alliance for Consumer Protection started when a group of concerned Florida citizens joined together to create a statewide consumer protection and tenant rights advocacy nonprofit.  With Florida poised to be the third most populated state in the nation, we felt our citizens needed a statewide organization dedicated solely to consumer protection and tenant rights.  Though many organizations provide crucial support on these issues, for which we are grateful, we feel an organization focused on these issues is important for the future protection of Floridians.

What We Do

We are currently applying for our 501(c)(4) status as a nonprofit. We followed legislation during the 2014 Florida legislative session that will impact consumers and tenants.  Follow us on Facebook for timely updates, as we start to use these tools to keep you informed.

As we grow, we hope to provide you with educational materials and other information to help all Floridians become smart consumers.