Bill Text: FL S0250 | 2023 | Regular Session | Comm Sub
NOTE: There are more recent revisions of this legislation. Read Latest Draft
Bill Title: Natural Emergencies
Spectrum: Slight Partisan Bill (? 2-1)
Status: (Passed) 2023-06-29 - Chapter No. 2023-304 [S0250 Detail]
Download: Florida-2023-S0250-Comm_Sub.html
Bill Title: Natural Emergencies
Spectrum: Slight Partisan Bill (? 2-1)
Status: (Passed) 2023-06-29 - Chapter No. 2023-304 [S0250 Detail]
Download: Florida-2023-S0250-Comm_Sub.html
Florida Senate - 2023 CS for CS for SB 250 By the Committees on Fiscal Policy; and Community Affairs; and Senator Martin 594-02965-23 2023250c2 1 A bill to be entitled 2 An act relating to natural emergencies; creating ss. 3 125.023 and 166.0335, F.S.; defining the term 4 “temporary shelter”; prohibiting counties and 5 municipalities, respectively, from prohibiting 6 temporary shelters on residential property for a 7 specified timeframe under certain circumstances; 8 amending s. 189.0695, F.S.; authorizing independent 9 special fire control districts to file a specified 10 report on an alternative schedule under certain 11 circumstances; providing for retroactive application; 12 amending s. 252.35, F.S.; requiring the Division of 13 Emergency Management to post a model contract for 14 debris removal on its website by a specified date; 15 requiring the model contract to be annually updated by 16 a specified date; requiring the division to prioritize 17 technical assistance and training relating to natural 18 disasters and emergencies to fiscally constrained 19 counties; requiring the division to administer a 20 revolving loan fund for certain local government 21 projects; amending s. 252.363, F.S.; increasing the 22 timeframe to exercise rights under a permit or other 23 authorization; limiting the timeframe to exercise 24 rights under a permit or other authorization to a 25 certain timeframe when multiple natural emergencies 26 occur; creating s. 252.391, F.S.; defining the term 27 “local governmental entity”; encouraging local 28 governmental entities to develop an emergency 29 financial plan for major disasters; providing the 30 contents of the emergency financial plan; recommending 31 annual review of the emergency financial plan; 32 amending s. 252.40, F.S.; authorizing local 33 governments to create inspection teams for the review 34 and approval of certain expedited permits; encouraging 35 local governments to establish certain interlocal 36 agreements; encouraging local governments to develop 37 plans related to temporary accommodations of certain 38 individuals; amending s. 287.055, F.S.; revising the 39 definition of the term “continuing contract”; 40 providing for the future expiration and reversion of 41 specified statutory text; amending s. 288.066, F.S.; 42 creating the Local Government Emergency Revolving 43 Bridge Loan Program within the Department of Economic 44 Opportunity to provide certain financial assistance to 45 local governments impacted by federally declared 46 disasters; conforming provisions to changes made by 47 the act; providing construction; authorizing the 48 department to provide interest-free loans to eligible 49 local governments through specified means; requiring 50 the department to prescribe a loan application; 51 requiring the department to determine the loan amount 52 based on certain factors; authorizing the department 53 to deny a loan application and providing specified 54 reasons for such denial; requiring the department to 55 provide certain notice and make loan information 56 available to eligible local governments; requiring 57 loan repayments to be returned to the loan fund; 58 providing that funds appropriated for the program are 59 not subject to reversion; providing for expiration; 60 amending s. 489.117, F.S.; authorizing a registered 61 contractor to engage in contracting under certain 62 circumstances; providing an expiration timeframe for 63 such authorization; authorizing the local jurisdiction 64 to discipline the registered contractor under certain 65 circumstances; creating s. 553.7922, F.S.; requiring 66 local governments impacted by certain emergencies to 67 approve special processing procedures to expedite 68 certain permits; amending s. 553.80, F.S.; prohibiting 69 certain local governments from raising building 70 inspection fees during a certain timeframe; providing 71 for future expiration; prohibiting counties and 72 municipalities located in areas included in certain 73 federal disaster declarations from adopting or 74 amending certain procedures for a specified period; 75 providing for retroactive application; providing that 76 certain comprehensive plan amendments, land 77 development regulations, site plans, and development 78 permits or orders may be enforced; providing for 79 expiration; creating s. 627.4108, F.S.; requiring 80 certain property insurers to submit any and all claims 81 handling manuals to the Office of Insurance Regulation 82 by a certain date and annually thereafter and within a 83 certain timeframe of any updates to such manuals; 84 requiring the insurers to include a certain 85 attestation on a form prescribed by the office; 86 requiring the office to conduct market conduct exams 87 as necessary; amending s. 823.11, F.S.; authorizing 88 certain persons to engage in a process relating to the 89 removal and destruction of derelict vessels; providing 90 appropriations; providing for the transfer of certain 91 appropriated funds to the Economic Development Trust 92 Fund of the Department of Economic Opportunity; 93 requiring that loan repayments be repaid to the 94 Economic Development Trust Fund; providing effective 95 dates. 96 97 Be It Enacted by the Legislature of the State of Florida: 98 99 Section 1. Section 125.023, Florida Statutes, is created to 100 read: 101 125.023 Temporary shelter prohibition.— 102 (1) For the purposes of this section, the term “temporary 103 shelter” includes, but is not limited to, a recreational 104 vehicle, trailer, or similar structure placed on a residential 105 property. 106 (2) Notwithstanding any other law, ordinance, or regulation 107 to the contrary, following the declaration of a state of 108 emergency issued by the Governor for a natural emergency as 109 defined in s. 252.34(8) during which a permanent residential 110 structure was damaged and rendered uninhabitable, a county may 111 not prohibit the placement of one temporary shelter on the 112 residential property for up to 36 months after the date of the 113 declaration or until a certificate of occupancy is issued on the 114 permanent residential structure on the property, whichever 115 occurs first, if all of the following circumstances apply: 116 (a) The resident makes a good faith effort to rebuild or 117 renovate the damaged permanent residential structure, including, 118 but not limited to, applying for a building permit, submitting a 119 plan or design to the county, or obtaining a construction loan. 120 (b) The temporary shelter is connected to water and 121 electric utilities and does not present a threat to health and 122 human safety. 123 (c) The resident lives in the temporary structure. 124 Section 2. Section 166.0335, Florida Statutes, is created 125 to read: 126 166.0335 Temporary shelter prohibition.— 127 (1) For the purposes of this section, the term “temporary 128 shelter” includes, but is not limited to, a recreational 129 vehicle, trailer, or similar structure placed on a residential 130 property. 131 (2) Notwithstanding any other law, ordinance, or regulation 132 to the contrary, following the declaration of a state of 133 emergency issued by the Governor for a natural emergency as 134 defined in s. 252.34(8) during which a permanent residential 135 structure was damaged and rendered uninhabitable, a municipality 136 may not prohibit the placement of one temporary shelter on the 137 residential property for up to 36 months after the date of the 138 declaration or until a certificate of occupancy is issued on the 139 permanent residential structure on the property, whichever 140 occurs first, if all of the following circumstances apply: 141 (a) The resident makes a good faith effort to rebuild or 142 renovate the damaged permanent residential structure, including, 143 but not limited to, applying for a building permit, submitting a 144 plan or design to the municipality, or obtaining a construction 145 loan. 146 (b) The temporary shelter is connected to water and 147 electric utilities and does not present a threat to health and 148 human safety. 149 (c) The resident lives in the temporary structure. 150 Section 3. Subsection (4) is added to section 189.0695, 151 Florida Statutes, to read: 152 189.0695 Independent special districts; performance 153 reviews.— 154 (4) Notwithstanding the timeframe specified in paragraph 155 (2)(c), an independent special fire control district may file 156 its final report of the performance review no later than 15 157 months from the beginning of the district’s fiscal year if the 158 special district is within an area for which a state of 159 emergency for a natural disaster was declared pursuant to s. 160 252.36 or no later than 24 months from the beginning of the 161 district’s fiscal year if the special district is within an area 162 for which a state of emergency was declared pursuant to s. 163 252.36 for a hurricane rated category 3 or higher. This 164 subsection applies retroactively to the final reports required 165 to have been conducted by October 1, 2022. 166 Section 4. Effective upon becoming a law, paragraphs (bb), 167 (cc), and (dd) are added to subsection (2) of section 252.35, 168 Florida Statutes, to read: 169 252.35 Emergency management powers; Division of Emergency 170 Management.— 171 (2) The division is responsible for carrying out the 172 provisions of ss. 252.31-252.90. In performing its duties, the 173 division shall: 174 (bb) Post on its website a model of a local government 175 contract for debris removal to be used by political 176 subdivisions. The initial model contract must be posted to the 177 website no later than June 1, 2023, and, thereafter, the model 178 contract must be annually updated and posted to the website no 179 later than June 1. 180 (cc) Prioritize technical assistance and training to 181 fiscally constrained counties as defined in s. 218.67 on aspects 182 of safety measures, preparedness, prevention, response, 183 recovery, and mitigation relating to natural disasters and 184 emergencies. 185 (dd) Administer a revolving loan program for local 186 government hazard mitigation projects. 187 Section 5. Paragraph (a) of subsection (1) of section 188 252.363, Florida Statutes, is amended to read: 189 252.363 Tolling and extension of permits and other 190 authorizations.— 191 (1)(a) The declaration of a state of emergency issued by 192 the Governor for a natural emergency tolls the period remaining 193 to exercise the rights under a permit or other authorization for 194 the duration of the emergency declaration. Further, the 195 emergency declaration extends the period remaining to exercise 196 the rights under a permit or other authorization for 246months 197 in addition to the tolled period. The extended period to 198 exercise the rights under a permit or other authorization may 199 not exceed 48 months in total in the event of multiple natural 200 emergencies for which the Governor declares a state of 201 emergency. This paragraph applies to the following: 202 1. The expiration of a development order issued by a local 203 government. 204 2. The expiration of a building permit. 205 3. The expiration of a permit issued by the Department of 206 Environmental Protection or a water management district pursuant 207 to part IV of chapter 373. 208 4. Permits issued by the Department of Environmental 209 Protection or a water management district pursuant to part II of 210 chapter 373 for land subject to a development agreement under 211 ss. 163.3220-163.3243 in which the permittee and the developer 212 are the same or a related entity. 213 5. The buildout date of a development of regional impact, 214 including any extension of a buildout date that was previously 215 granted as specified in s. 380.06(7)(c). 216 6. The expiration of a development permit or development 217 agreement authorized by Florida Statutes, including those 218 authorized under the Florida Local Government Development 219 Agreement Act, or issued by a local government or other 220 governmental agency. 221 Section 6. Section 252.391, Florida Statutes, is created to 222 read: 223 252.391 Emergency financial plans.— 224 (1) As used in this section, the term “local governmental 225 entity” means a county, municipality, or district school board. 226 (2) Each local governmental entity is encouraged to develop 227 an emergency financial plan for major natural disasters that may 228 impact its jurisdiction. Disasters include, but are not limited 229 to, hurricanes, tornadoes, floods, and wildfires. 230 (3) Each emergency financial plan should be based on the 231 likely frequency of the disaster’s occurrence. The financial 232 plan should include a calculation of the costs for the natural 233 disaster event and a determination of the financial resources 234 available to the local governmental entity. If insufficient 235 funds are available to address the disaster event, the emergency 236 financial plan should identify strategies to close the gap 237 between the disaster event costs and the local governmental 238 entity’s financial capacity. Such strategies may include rainy 239 day funds, reprioritizing its annual budget, and borrowing. 240 (4) Local governmental entities should annually review 241 their emergency financial plans to address changes in 242 conditions. 243 Section 7. Subsections (3) and (4) are added to section 244 252.40, Florida Statutes, to read: 245 252.40 Mutual aid arrangements.— 246 (3) Local governments may create inspection teams to review 247 and approve expedited permits for temporary housing solutions, 248 repairs, and renovations after a natural disaster. Local 249 governments are encouraged to establish interlocal agreements 250 with other jurisdictions to provide additional inspection 251 services during a state of emergency. 252 (4) Municipalities and counties are encouraged to develop 253 and adopt plans to provide temporary accommodations for 254 contractors, utility workers, first responders, and others 255 dispatched to aid in hurricane recovery efforts. Public areas, 256 including, but not limited to, fairgrounds and parking lots, may 257 be used for tents and trailers for such temporary 258 accommodations. 259 Section 8. Effective upon becoming a law, paragraph (g) of 260 subsection (2) of section 287.055, Florida Statutes, is amended 261 to read: 262 287.055 Acquisition of professional architectural, 263 engineering, landscape architectural, or surveying and mapping 264 services; definitions; procedures; contingent fees prohibited; 265 penalties.— 266 (2) DEFINITIONS.—For purposes of this section: 267 (g) A “continuing contract” is a contract for professional 268 services entered into in accordance with all the procedures of 269 this act between an agency and a firm whereby the firm provides 270 professional services to the agency for projects in which the 271 estimated construction cost of each individual project under the 272 contract does not exceed $4 million, for study activity if the 273 fee for professional services for each individual study under 274 the contract does not exceed $500,000, or for work of a 275 specified nature as outlined in the contract required by the 276 agency, with the contract being for a fixed term or with no time 277 limitation except that the contract must provide a termination 278 clause. Firms providing professional services under continuing 279 contracts shall not be required to bid against one another. The 280 term “continuing contract” includes contracts executed through 281 December 31, 2023, for professional services to the agency for 282 projects related to repairs and remediation to a specific site 283 due to damage caused by Hurricane Ian in which the estimated 284 construction cost for each individual project does not exceed 285 $15 million. 286 Section 9. The amendments made by this act to s. 287 287.055(2)(g), Florida Statutes, expire on July 1, 2026, and the 288 text of that paragraph shall revert to that in existence on the 289 day before the date that this act became a law, except that any 290 amendments to such text enacted other than by this act shall be 291 preserved and continue to operate to the extent that such 292 amendments are not dependent upon the portions of the text which 293 expire pursuant to this section. 294 Section 10. Section 288.066, Florida Statutes, as created 295 by section 1 of chapter 2023-1, Laws of Florida, is amended to 296 read: 297 288.066 Local Government Emergency Revolving Bridge Loan 298 Program.— 299 (1) CREATION.—The Local Government Emergency Revolving 300 Bridge Loan Program is created, subject to appropriation,within 301 the department to provide financial assistance to local 302 governments impacted by federally declared disastersHurricane303Ian or Hurricane Nicole. The purpose of the loan program is to 304 assist these local governments in maintaining government 305 operations by bridging the gap between the time that the 306 declared disaster occurred and the time that additional funding 307 sources or revenues are secured to provide them with financial 308 assistance. 309 (2) ELIGIBILITY.—To be eligible for a loan under the 310 program, a local government must be a county or a municipality 311 located in an area designated in atheFederal Emergency 312 Management Agency disaster declarationdeclarations for313Hurricane Ian or Hurricane Nicole. The local government must 314 show that it may suffer or has suffered substantial loss of its 315 tax or other revenues as a result of the disasterhurricaneand 316 demonstrate a need for financial assistance to enable it to 317 continue to perform its governmental operations. Access to and 318 eligibility for the loan program supersedes any local government 319 charter or borrowing limitations that would otherwise 320 financially constrain the local government’s ability to recover 321 from a disaster. 322 (3) LOAN TERMS.— 323 (a) The department may provide interest-free loans to 324 eligible local governments through a promissory note or other 325 form of written agreement evidencing an obligation to repay the 326 borrowed funds to the department. 327 (b) The amount of each loan must be based upon demonstrated 328 needand must be disbursed to the local government in a lump329sum. 330 (c) The term of the loan is up to 1 year, unless otherwise331extended by the department. However, the department may extend 332 loan terms for up to 6 months based on the local government’s 333 financial condition. 334 (4) APPLICATION.—The department shall prescribe a loan 335 application and any other information determined necessary by 336 the department to review and evaluate the application. The 337 eligible local government must submit a loan application within 338 the 12 months after the date that the federal disaster was 339 declared. Upon receipt of an application, the department shall 340 review the application and may request additional information as 341 necessary to complete the review and evaluation. The department 342 shall determine the amount to be loaned, which may be a lower 343 amount than requested, based on the information provided and the 344 total amount of funds available to be loaned and in relation to 345 demonstrated need from other eligible applicants. The department 346 may deny a loan application. Reasons for a loan application 347 denial may include, but are not limited to, the loan risk, an 348 incomplete application, failure to demonstrate need, or the fact 349 that receiving a loan may negatively affect the local 350 government’s eligibility for other federal programs. 351 (5)(4)USE OF LOAN FUNDS.—A local government may use loan 352 funds only to continue local governmental operations or to 353 expand or modify such operations to meet disaster-related needs. 354 The funds may not be used to finance or supplant funding for 355 capital improvements or to repair or restore damaged public 356 facilities or infrastructure. 357 (6)(5)LOAN REPAYMENT.— 358 (a) The local government may make payments against the loan 359 at any time without penalty. Early repayment is encouraged as 360 other funding sources or revenues become available to the local 361 government. 362 (b) Loans become due and payable in accordance with the 363 terms of the agreement. 364 (7)(6)ADMINISTRATION.— 365 (a) Upon the issuance of a federal disaster declaration, 366 the department shall provide notice of application requirements 367 and the total amount of funds available and make loan 368 information available to eligible local governments. Based upon 369 the amount of funds in the Economic Development Trust Fund 370 available to be loaned and anticipated balances, the department 371 may make funds available in an amount reasonably related to the 372 anticipated need, based upon the impacts of the federal 373 disaster, up to the total amount availableThe department may374approve loans in the 2022-2023 fiscal year or the 2023-2024375fiscal year up to the total amount appropriated. 376 (b) The department must coordinate with the Division of 377 Emergency Management or other applicable state agencies to 378 assess whether such loans would affect reimbursement under 379 federal programs for disaster-related expenses. 380 (c) All repayments of principal and interest shall be 381 returned to the loan fund and made available as provided in this 382 section. Notwithstanding s. 216.301, funds appropriated for this 383 program are not subject to reversionUpon receipt of any loan384payment from a local government, the department shall transfer385the funds to the General Revenue Fund. 386 (8)(7)RULES.—The department may adopt rules to implement 387 this section. 388 (9)(8)EXPIRATION.—This section expires July 1, 2038June38930, 2027. A loan may not be awarded after June 30, 2038. Upon 390 expiration, all unencumbered funds and loan repayments made on 391 or after July 1, 2038, shall be transferredrevertto the 392 General Revenue Fund. 393 Section 11. Effective upon becoming a law, subsection (5) 394 is added to section 489.117, Florida Statutes, to read: 395 489.117 Registration; specialty contractors.— 396 (5) Notwithstanding paragraph (1)(b), a registered 397 contractor may engage in contracting only for work covered by 398 the registration within an area for which a state of emergency 399 is declared pursuant to s. 252.36 for a natural emergency. This 400 authorization terminates 24 months after the expiration of the 401 declared state of emergency. The local jurisdiction that 402 licenses the registered contractor may discipline the registered 403 contractor for violations occurring outside the licensing 404 jurisdiction which occur during the period such work is 405 authorized under this subsection. 406 Section 12. Section 553.7922, Florida Statutes, is created 407 to read: 408 553.7922 Local government-expedited approval of certain 409 permits.—Following a state of emergency declared pursuant to 410 252.36 for a natural emergency, local governments impacted by 411 the emergency shall approve special processing procedures to 412 expedite permit issuance for permits that do not require 413 technical review, including, but not limited to, roof repairs, 414 reroofing, electrical repairs, service changes, or the 415 replacement of one window or one door. Local governments may 416 waive application and inspection fees for permits expedited 417 under this section. 418 Section 13. Effective upon becoming a law, present 419 subsections (8) and (9) of section 553.80, Florida Statutes, are 420 redesignated as subsections (9) and (10), respectively, and a 421 new subsection (8) is added to that section, to read: 422 553.80 Enforcement.— 423 (8) Effective January 1, 2023, local governments located in 424 areas designated in the Federal Emergency Management Agency 425 disaster declarations for Hurricane Ian or Hurricane Nicole may 426 not raise building inspection fees, as authorized by s. 427 125.56(2) or s. 166.222 and this section, before October 1, 428 2024. This subsection expires June 30, 2025. 429 Section 14. (1) A county or municipality located in an area 430 designated in a Federal Emergency Management Agency disaster 431 declaration for Hurricane Ian or Hurricane Nicole shall not 432 propose or adopt more restrictive or burdensome procedures to 433 its comprehensive plan or land development regulations, 434 concerning review, approval, or issuance of a site plan, 435 development permit or development order, to the extent those 436 terms are defined by s. 163.3164, Florida Statutes, before 437 October 1, 2024. This subsection applies retroactively to 438 September 29, 2022. 439 (2) Any comprehensive plan amendment, land development 440 regulation, site plan, development permit, or development order 441 approved by a county or municipality under procedures adopted 442 before the effective date of this act may be enforced. 443 (3) This section shall take effect upon becoming a law and 444 expires June 30, 2025. 445 Section 15. Section 627.4108, Florida Statutes, is created 446 to read: 447 627.4108 Submission of claims handling manuals; 448 attestation.— 449 (1) This section is intended to ensure that property 450 insurers are able to properly handle insurance claims during 451 natural disasters, catastrophes, and other emergencies. 452 (2) Each authorized property insurer and eligible surplus 453 lines property insurer conducting business in this state must 454 submit any and all claims handling manuals to the office: 455 (a) On or before August 1, 2023; 456 (b) Annually thereafter, on or before May 1 of each 457 calendar year; and 458 (c) Within 30 days of any updates or amendments to such 459 manual. 460 (3) The insurer must include with each such submission an 461 attestation on a form prescribed by the office stating that: 462 (a) The insurer’s claims handling manual complies with the 463 requirements of this code and comports to usual and customary 464 industry claims handling practices; and 465 (b) The insurer maintains adequate resources available to 466 implement the requirements of its claims handling manual at all 467 times, including during extreme catastrophic events. 468 (4) The office may, as often as it deems necessary, conduct 469 market conduct examinations under s. 624.3161 of insurers to 470 ensure compliance with this section. 471 Section 16. Paragraph (d) is added to subsection (2) of 472 section 823.11, Florida Statutes, to read: 473 823.11 Derelict vessels; relocation or removal; penalty.— 474 (2) 475 (d) Notwithstanding the additional 45 days provided in sub 476 subparagraph (b)2.b. during which an owner or a responsible 477 party may not be charged for a violation of this section, the 478 commission, an officer of the commission, a law enforcement 479 agency or officer specified in s. 327.70, or, during a state of 480 emergency declared by the Governor, the Division of Emergency 481 Management or its designee, may immediately begin the process 482 set forth in s. 705.103(2)(a) and, once that process has been 483 completed and the 45 days provided herein have passed, any 484 vessel that has not been removed or repaired such that it is no 485 longer derelict upon the waters of this state may be removed and 486 destroyed as provided therein. 487 Section 17. For the 2023-2024 fiscal year, the sums of $1 488 million in nonrecurring funds from the General Revenue Fund and 489 $10 million in nonrecurring funds from the Federal Grants Trust 490 Fund are appropriated to the Division of Emergency Management to 491 fund the Safeguarding Tomorrow Through Ongoing Risk Mitigation 492 Act Revolving Loan Program. These funds shall be placed in 493 reserve. The division is authorized to submit a budget amendment 494 for release of the funds held in reserve for approval by the 495 Legislative Budget Commission pursuant to chapter 216, Florida 496 Statutes. Release is contingent upon documentation of an award 497 or other approval by the Federal Emergency Management Agency and 498 the division’s approved intended use plan for the funds. 499 Section 18. The sum of $971,331 in recurring funds and 500 $37,456 in nonrecurring funds from the Insurance Regulatory 501 Trust Fund and eight positions with associated salary rate of 502 625,000 is appropriated to the Office of Insurance Regulation 503 related to hurricane related market conduct activity. 504 Section 19. (1) For the 2023-2024 fiscal year, the sum of 505 $50 million in nonrecurring funds is appropriated from the 506 General Revenue Fund to the Economic Development Trust Fund of 507 the Department of Economic Opportunity to fund the Local 508 Government Emergency Revolving Bridge Loan Program. 509 (2) Funds appropriated in section 3 of chapter 2023-1, Laws 510 of Florida, for the Local Government Emergency Bridge Loan 511 Program which have not been loaned to a local government 512 pursuant to a loan agreement as of July 1, 2023, shall be 513 transferred by nonoperating budget authority to the Economic 514 Development Trust Fund of the Department of Economic Opportunity 515 to be used for the Local Government Emergency Revolving Bridge 516 Loan Program. 517 (3) Notwithstanding sections 1 and 3 of chapter 2023-1, 518 Laws of Florida, all loan repayments for loans made under the 519 Local Government Emergency Bridge Loan Program shall be repaid 520 into the Economic Development Trust Fund and be made available 521 for loans under the Local Government Emergency Revolving Bridge 522 Loan Program. 523 Section 20. Except as otherwise expressly provided in this 524 act and except for this section, which shall take effect upon 525 becoming a law, this act shall take effect July 1, 2023.