Bill Text: FL S1870 | 2020 | Regular Session | Comm Sub
NOTE: There are more recent revisions of this legislation. Read Latest Draft
Bill Title: Technology Innovation
Spectrum: Bipartisan Bill
Status: (Introduced - Dead) 2020-03-09 - Laid on Table, refer to CS/CS/CS/HB 1391 [S1870 Detail]
Download: Florida-2020-S1870-Comm_Sub.html
Bill Title: Technology Innovation
Spectrum: Bipartisan Bill
Status: (Introduced - Dead) 2020-03-09 - Laid on Table, refer to CS/CS/CS/HB 1391 [S1870 Detail]
Download: Florida-2020-S1870-Comm_Sub.html
Florida Senate - 2020 CS for CS for SB 1870 By the Committees on Banking and Insurance; and Innovation, Industry, and Technology; and Senator Hutson 597-03961-20 20201870c2 1 A bill to be entitled 2 An act relating to technology innovation; amending s. 3 20.22, F.S.; renaming the Division of State Technology 4 within the Department of Management Services as the 5 Division of Telecommunications; deleting provisions 6 relating to the appointment of the Division of State 7 Technology’s director and qualifications for the state 8 chief information officer; adding the Florida Digital 9 Service to the department; amending s. 282.0041, F.S.; 10 defining terms; revising the definition of the term 11 “open data”; amending s. 282.0051, F.S.; establishing 12 the Florida Digital Service within the department; 13 transferring specified powers, duties, and functions 14 of the department to the Florida Digital Service and 15 revising such powers, duties, and functions; providing 16 for designations of a state chief information officer 17 and a chief data officer and specifying their duties; 18 specifying duties of, and authorized actions by, the 19 Florida Digital Service pursuant to legislative 20 appropriation; providing duties of, and authorized 21 actions by, the department, subject to legislative 22 authorization and appropriation; authorizing the 23 Florida Digital Service to adopt rules; amending s. 24 282.00515, F.S.; revising standards that the 25 Department of Legal Affairs, the Department of 26 Financial Services, and the Department of Agriculture 27 and Consumer Services must adopt; specifying 28 notification requirements to the Governor and the 29 Legislature if such an agency adopts alternative 30 standards; providing construction; prohibiting the 31 Florida Digital Service from retrieving or publishing 32 data without a data sharing agreement with such an 33 agency; amending ss. 282.318, 287.0591, 365.171, 34 365.172, 365.173, and 943.0415, F.S.; conforming 35 provisions to changes made by the act; creating s. 36 559.952, F.S.; providing a short title; creating the 37 Financial Technology Sandbox within the Office of 38 Financial Regulation; defining terms; requiring the 39 office, if certain conditions are met, to grant a 40 license to a Financial Technology Sandbox applicant, 41 grant exceptions to specified provisions of general 42 law relating to consumer finance loans and money 43 services businesses, and grant waivers of certain 44 rules; authorizing a substantially affected person to 45 seek a declaratory statement before applying to the 46 Financial Technology Sandbox; specifying application 47 requirements and procedures; specifying requirements, 48 restrictions, and procedures for the office in 49 reviewing and approving or denying applications; 50 requiring the office to post on its website certain 51 information relating to approved applications; 52 specifying authorized actions of, limitations on, and 53 requirements for licensees operating in the Financial 54 Technology Sandbox; specifying disclosure requirements 55 for licensees to consumers; authorizing the office to 56 enter into certain agreements with other regulatory 57 agencies; authorizing the office to examine licensee 58 records; authorizing a licensee to apply for an 59 extension of an initial sandbox period for a certain 60 timeframe; specifying requirements and procedures for 61 applying for an extension; specifying requirements and 62 procedures for, and authorized actions of, licensees 63 when concluding a sandbox period or extension; 64 requiring licensees to submit certain reports to the 65 office at specified intervals; providing construction; 66 specifying the liability of a licensee; authorizing 67 the office to take certain disciplinary actions 68 against a licensee under certain circumstances; 69 providing construction relating to service of process; 70 specifying the rulemaking authority of the Financial 71 Services Commission; providing the office authority to 72 issue orders and enforce the orders; providing an 73 appropriation; providing effective dates. 74 75 Be It Enacted by the Legislature of the State of Florida: 76 77 Section 1. Subsection (2) of section 20.22, Florida 78 Statutes, is amended to read: 79 20.22 Department of Management Services.—There is created a 80 Department of Management Services. 81 (2) Thefollowing divisions and programs within the82 Department of Management Services shall consist of the following 83are established: 84 (a) The Facilities Program. 85 (b) The Division of TelecommunicationsState Technology,86the director of which is appointed by the secretary of the87department and shall serve as the state chief information88officer. The state chief information officer must be a proven,89effective administrator who must have at least 10 years of90executive-level experience in the public or private sector,91preferably with experience in the development of information92technology strategic planning and the development and93implementation of fiscal and substantive information technology94policy and standards. 95 (c) The Workforce Program. 96 (d)1. The Support Program. 97 2. The Federal Property Assistance Program. 98 (e) The Administration Program. 99 (f) The Division of Administrative Hearings. 100 (g) The Division of Retirement. 101 (h) The Division of State Group Insurance. 102 (i) The Florida Digital Service. 103 Section 2. Section 282.0041, Florida Statutes, is amended 104 to read: 105 282.0041 Definitions.—As used in this chapter, the term: 106 (1) “Agency assessment” means the amount each customer 107 entity must pay annually for services from the Department of 108 Management Services and includes administrative and data center 109 services costs. 110 (2) “Agency data center” means agency space containing 10 111 or more physical or logical servers. 112 (3) “Breach” has the same meaning as provided in s. 113 501.171. 114 (4) “Business continuity plan” means a collection of 115 procedures and information designed to keep an agency’s critical 116 operations running during a period of displacement or 117 interruption of normal operations. 118 (5) “Cloud computing” has the same meaning as provided in 119 Special Publication 800-145 issued by the National Institute of 120 Standards and Technology. 121 (6) “Computing facility” or “agency computing facility” 122 means agency space containing fewer than a total of 10 physical 123 or logical servers, but excluding single, logical-server 124 installations that exclusively perform a utility function such 125 as file and print servers. 126 (7) “Credential service provider” means a provider 127 competitively procured by the department to supply secure 128 identity management and verification services based on open 129 standards to qualified entities. 130 (8) “Customer entity” means an entity that obtains services 131 from the Department of Management Services. 132 (9)(8)“Data” means a subset of structured information in a 133 format that allows such information to be electronically 134 retrieved and transmitted. 135 (10) “Data-call” means an electronic transaction with the 136 credential service provider that verifies the authenticity of a 137 digital identity by querying enterprise data. 138 (11)(9)“Department” means the Department of Management 139 Services. 140 (12)(10)“Disaster recovery” means the process, policies, 141 procedures, and infrastructure related to preparing for and 142 implementing recovery or continuation of an agency’s vital 143 technology infrastructure after a natural or human-induced 144 disaster. 145 (13) “Electronic” means technology having electrical, 146 digital, magnetic, wireless, optical, electromagnetic, or 147 similar capabilities. 148 (14) “Electronic credential” means an electronic 149 representation of the identity of a person, an organization, an 150 application, or a device. 151 (15) “Enterprise” means the collection of state agencies as 152 defined in subsection (35). The term includes the Department of 153 Legal Affairs, the Department of Agriculture and Consumer 154 Services, and the Department of Financial Services. 155 (16) “Enterprise architecture” means a comprehensive 156 operational framework that contemplates the needs and assets of 157 the enterprise to support interoperability across state 158 government. 159 (17)(11)“Enterprise information technology service” means 160 an information technology service that is used in all agencies 161 or a subset of agencies and is established in law to be 162 designed, delivered, and managed at the enterprise level. 163 (18)(12)“Event” means an observable occurrence in a system 164 or network. 165 (19)(13)“Incident” means a violation or imminent threat of 166 violation, whether such violation is accidental or deliberate, 167 of information technology resources, security, policies, or 168 practices. An imminent threat of violation refers to a situation 169 in which the state agency has a factual basis for believing that 170 a specific incident is about to occur. 171 (20)(14)“Information technology” means equipment, 172 hardware, software, firmware, programs, systems, networks, 173 infrastructure, media, and related material used to 174 automatically, electronically, and wirelessly collect, receive, 175 access, transmit, display, store, record, retrieve, analyze, 176 evaluate, process, classify, manipulate, manage, assimilate, 177 control, communicate, exchange, convert, converge, interface, 178 switch, or disseminate information of any kind or form. 179 (21)(15)“Information technology policy” means a definite 180 course or method of action selected from among one or more 181 alternatives that guide and determine present and future 182 decisions. 183 (22)(16)“Information technology resources” has the same 184 meaning as provided in s. 119.011. 185 (23)(17)“Information technology security” means the 186 protection afforded to an automated information system in order 187 to attain the applicable objectives of preserving the integrity, 188 availability, and confidentiality of data, information, and 189 information technology resources. 190 (24) “Interoperability” means the technical ability to 191 share and use data across and throughout the enterprise. 192 (25)(18)“Open data” means data collected or created by a 193 state agency, including the Department of Legal Affairs, the 194 Department of Agriculture and Consumer Services, and the 195 Department of Financial Services, and structured in a way that 196 enables the data to be fully discoverable and usable by the 197 public. The term does not include data that are restricted from 198 public disclosuredistributionbased on federal or state 199 privacy, confidentiality, and security laws and regulations or 200 data for which a state agency is statutorily authorized to 201 assess a fee for its distribution. 202 (26)(19)“Performance metrics” means the measures of an 203 organization’s activities and performance. 204 (27)(20)“Project” means an endeavor that has a defined 205 start and end point; is undertaken to create or modify a unique 206 product, service, or result; and has specific objectives that, 207 when attained, signify completion. 208 (28)(21)“Project oversight” means an independent review 209 and analysis of an information technology project that provides 210 information on the project’s scope, completion timeframes, and 211 budget and that identifies and quantifies issues or risks 212 affecting the successful and timely completion of the project. 213 (29) “Qualified entity” means a public or private entity or 214 individual that enters into a binding agreement with the 215 department, meets usage criteria, agrees to terms and 216 conditions, and is subsequently and prescriptively authorized by 217 the department to access data under the terms of that agreement 218 as specified in s. 282.0051. 219 (30)(22)“Risk assessment” means the process of identifying 220 security risks, determining their magnitude, and identifying 221 areas needing safeguards. 222 (31)(23)“Service level” means the key performance 223 indicators (KPI) of an organization or service which must be 224 regularly performed, monitored, and achieved. 225 (32)(24)“Service-level agreement” means a written contract 226 between the Department of Management Services and a customer 227 entity which specifies the scope of services provided, service 228 level, the duration of the agreement, the responsible parties, 229 and service costs. A service-level agreement is not a rule 230 pursuant to chapter 120. 231 (33)(25)“Stakeholder” means a person, group, organization, 232 or state agency involved in or affected by a course of action. 233 (34)(26)“Standards” means required practices, controls, 234 components, or configurations established by an authority. 235 (35)(27)“State agency” means any official, officer, 236 commission, board, authority, council, committee, or department 237 of the executive branch of state government; the Justice 238 Administrative Commission; and the Public Service Commission. 239 The term does not include university boards of trustees or state 240 universities. As used in part I of this chapter, except as 241 otherwise specifically provided, the term does not include the 242 Department of Legal Affairs, the Department of Agriculture and 243 Consumer Services, or the Department of Financial Services. 244 (36)(28)“SUNCOM Network” means the state enterprise 245 telecommunications system that provides all methods of 246 electronic or optical telecommunications beyond a single 247 building or contiguous building complex and used by entities 248 authorized as network users under this part. 249 (37)(29)“Telecommunications” means the science and 250 technology of communication at a distance, including electronic 251 systems used in the transmission or reception of information. 252 (38)(30)“Threat” means any circumstance or event that has 253 the potential to adversely impact a state agency’s operations or 254 assets through an information system via unauthorized access, 255 destruction, disclosure, or modification of information or 256 denial of service. 257 (39)(31)“Variance” means a calculated value that 258 illustrates how far positive or negative a projection has 259 deviated when measured against documented estimates within a 260 project plan. 261 Section 3. Section 282.0051, Florida Statutes, is amended 262 to read: 263 282.0051 Florida Digital ServiceDepartment of Management264Services; powers, duties, and functions.—There is established 265 the Florida Digital Service within the department to create 266 innovative solutions that securely modernize state government, 267 achieve value through digital transformation and 268 interoperability, and fully support the cloud-first policy as 269 specified in s. 282.206. 270 (1) The Florida Digital Servicedepartmentshall have the 271 following powers, duties, and functions: 272 (a)(1)Develop and publish information technology policy 273 for the management of the state’s information technology 274 resources. 275 (b)(2)Develop an enterprise architecture that: 276 1. Acknowledges the unique needs of those included within 277 the enterprise, resulting in the publication of standards, 278 terminologies, and procurement guidelines to facilitate digital 279 interoperability; 280 2. Supports the cloud-first policy as specified in s. 281 282.206; and 282 3. Addresses how information technology infrastructure may 283 be modernized to achieve cloud-first objectivesEstablish and284publish information technology architecture standards to provide285for the most efficient use of the state’s information technology286resources and to ensure compatibility and alignment with the287needs of state agencies.The department shall assist state288agencies in complying with the standards.289 (c)(3)Establish project management and oversight standards 290 with which state agencies must comply when implementing projects 291 that have an information technology componentprojects. The 292 Florida Digital Servicedepartmentshall provide training 293 opportunities to state agencies to assist in the adoption of the 294 project management and oversight standards. To support data 295 driven decisionmaking, the standards must include, but are not 296 limited to: 297 1.(a)Performance measurements and metrics that objectively 298 reflect the status of a project with an information technology 299 componentprojectbased on a defined and documented project 300 scope, cost, and schedule. 301 2.(b)Methodologies for calculating acceptable variances in 302 the projected versus actual scope, schedule, or cost of a 303 project with an information technology componentproject. 304 3.(c)Reporting requirements, including requirements 305 designed to alert all defined stakeholders that a project with 306 an information technology componentprojecthas exceeded 307 acceptable variances defined and documented in a project plan. 308 4.(d)Content, format, and frequency of project updates. 309 (d)(4)Perform project oversight on all state agency 310information technologyprojects that have an information 311 technology component with a total project costcostsof $10 312 million or more and that are funded in the General 313 Appropriations Act or any other law. The Florida Digital Service 314departmentshall report at least quarterly to the Executive 315 Office of the Governor, the President of the Senate, and the 316 Speaker of the House of Representatives on any project with an 317 information technology componentprojectthat the Florida 318 Digital Servicedepartmentidentifies as high-risk due to the 319 project exceeding acceptable variance ranges defined and 320 documented in a project plan. The report must include a risk 321 assessment, including fiscal risks, associated with proceeding 322 to the next stage of the project, and a recommendation for 323 corrective actions required, including suspension or termination 324 of the project. The Florida Digital Service shall establish a 325 process for state agencies to apply for an exception to the 326 requirements of this paragraph for a specific project with an 327 information technology component. 328 (e)(5)Identify opportunities for standardization and 329 consolidation of information technology services that support 330 interoperability and the cloud-first policy as specified in s. 331 282.206, business functions and operations, including 332 administrative functions such as purchasing, accounting and 333 reporting, cash management, and personnel, and that are common 334 across state agencies. The Florida Digital Servicedepartment335 shall biennially on April 1 provide recommendations for 336 standardization and consolidation to the Executive Office of the 337 Governor, the President of the Senate, and the Speaker of the 338 House of Representatives. 339 (f)(6)Establish best practices for the procurement of 340 information technology products and cloud-computing services in 341 order to reduce costs, increase the quality of data center 342 services, or improve government services. 343 (g)(7)Develop standards for information technology reports 344 and updates, including, but not limited to, operational work 345 plans, project spend plans, and project status reports, for use 346 by state agencies. 347 (h)(8)Upon request, assist state agencies in the 348 development of information technology-related legislative budget 349 requests. 350 (i)(9)Conduct annual assessments of state agencies to 351 determine compliance with all information technology standards 352 and guidelines developed and published by the Florida Digital 353 Servicedepartmentand provide results of the assessments to the 354 Executive Office of the Governor, the President of the Senate, 355 and the Speaker of the House of Representatives. 356 (j)(10)Provide operational management and oversight of the 357 state data center established pursuant to s. 282.201, which 358 includes: 359 1.(a)Implementing industry standards and best practices 360 for the state data center’s facilities, operations, maintenance, 361 planning, and management processes. 362 2.(b)Developing and implementing cost-recovery or other 363 payment mechanisms that recover the full direct and indirect 364 cost of services through charges to applicable customer 365 entities. Such cost-recovery or other payment mechanisms must 366 comply with applicable state and federal regulations concerning 367 distribution and use of funds and must ensure that, for any 368 fiscal year, no service or customer entity subsidizes another 369 service or customer entity. 370 3.(c)Developing and implementing appropriate operating 371 guidelines and procedures necessary for the state data center to 372 perform its duties pursuant to s. 282.201. The guidelines and 373 procedures must comply with applicable state and federal laws, 374 regulations, and policies and conform to generally accepted 375 governmental accounting and auditing standards. The guidelines 376 and procedures must include, but need not be limited to: 377 a.1.Implementing a consolidated administrative support 378 structure responsible for providing financial management, 379 procurement, transactions involving real or personal property, 380 human resources, and operational support. 381 b.2.Implementing an annual reconciliation process to 382 ensure that each customer entity is paying for the full direct 383 and indirect cost of each service as determined by the customer 384 entity’s use of each service. 385 c.3.Providing rebates that may be credited against future 386 billings to customer entities when revenues exceed costs. 387 d.4.Requiring customer entities to validate that 388 sufficient funds exist in the appropriate data processing 389 appropriation category or will be transferred into the 390 appropriate data processing appropriation category before 391 implementation of a customer entity’s request for a change in 392 the type or level of service provided, if such change results in 393 a net increase to the customer entity’s cost for that fiscal 394 year. 395 e.5.By November 15 of each year, providing to the Office 396 of Policy and Budget in the Executive Office of the Governor and 397 to the chairs of the legislative appropriations committees the 398 projected costs of providing data center services for the 399 following fiscal year. 400 f.6.Providing a plan for consideration by the Legislative 401 Budget Commission if the cost of a service is increased for a 402 reason other than a customer entity’s request made pursuant to 403 sub-subparagraph d.subparagraph 4.Such a plan is required only 404 if the service cost increase results in a net increase to a 405 customer entity for that fiscal year. 406 g.7.Standardizing and consolidating procurement and 407 contracting practices. 408 4.(d)In collaboration with the Department of Law 409 Enforcement, developing and implementing a process for 410 detecting, reporting, and responding to information technology 411 security incidents, breaches, and threats. 412 5.(e)Adopting rules relating to the operation of the state 413 data center, including, but not limited to, budgeting and 414 accounting procedures, cost-recovery or other payment 415 methodologies, and operating procedures. 416(f) Conducting an annual market analysis to determine417whether the state’s approach to the provision of data center418services is the most effective and cost-efficient manner by419which its customer entities can acquire such services, based on420federal, state, and local government trends; best practices in421service provision; and the acquisition of new and emerging422technologies. The results of the market analysis shall assist423the state data center in making adjustments to its data center424service offerings.425 (k)(11)Recommend other information technology services 426 that should be designed, delivered, and managed as enterprise 427 information technology services. Recommendations must include 428 the identification of existing information technology resources 429 associated with the services, if existing services must be 430 transferred as a result of being delivered and managed as 431 enterprise information technology services. 432 (l)(12)In consultation with state agencies, propose a 433 methodology and approach for identifying and collecting both 434 current and planned information technology expenditure data at 435 the state agency level. 436 (m)1.(13)(a)Notwithstanding any other law, provide project 437 oversight on any project with an information technology 438 componentprojectof the Department of Financial Services, the 439 Department of Legal Affairs, and the Department of Agriculture 440 and Consumer Services which has a total project cost of $25 441 million or more and which impacts one or more other agencies. 442 Such projects with an information technology componentprojects443 must also comply with the applicable information technology 444 architecture, project management and oversight, and reporting 445 standards established by the Florida Digital Servicedepartment. 446 The Florida Digital Service shall establish a process for the 447 Department of Financial Services, the Department of Legal 448 Affairs, and the Department of Agriculture and Consumer Services 449 to apply for an exception to the requirements of this paragraph 450 for a specific project with an information technology component. 451 2.(b)When performing the project oversight function 452 specified in subparagraph 1.paragraph (a), report at least 453 quarterly to the Executive Office of the Governor, the President 454 of the Senate, and the Speaker of the House of Representatives 455 on any project with an information technology componentproject456 that the Florida Digital Servicedepartmentidentifies as high 457 risk due to the project exceeding acceptable variance ranges 458 defined and documented in the project plan. The report shall 459 include a risk assessment, including fiscal risks, associated 460 with proceeding to the next stage of the project and a 461 recommendation for corrective actions required, including 462 suspension or termination of the project. 463 (n)(14)If a project with an information technology 464 componentprojectimplemented by a state agency must be 465 connected to or otherwise accommodated by an information 466 technology system administered by the Department of Financial 467 Services, the Department of Legal Affairs, or the Department of 468 Agriculture and Consumer Services, consult with these 469 departments regarding the risks and other effects of such 470 projects on their information technology systems and work 471 cooperatively with these departments regarding the connections, 472 interfaces, timing, or accommodations required to implement such 473 projects. 474 (o)(15)If adherence to standards or policies adopted by or 475 established pursuant to this section causes conflict with 476 federal regulations or requirements imposed on a state agency 477 and results in adverse action against the state agency or 478 federal funding, work with the state agency to provide 479 alternative standards, policies, or requirements that do not 480 conflict with the federal regulation or requirement. The Florida 481 Digital Servicedepartmentshall annually report such 482 alternative standards to the Governor, the President of the 483 Senate, and the Speaker of the House of Representatives. 484 (p)1.(16)(a)Establish an information technology policy for 485 all information technology-related state contracts, including 486 state term contracts for information technology commodities, 487 consultant services, and staff augmentation services. The 488 information technology policy must include: 489 a.1.Identification of the information technology product 490 and service categories to be included in state term contracts. 491 b.2.Requirements to be included in solicitations for state 492 term contracts. 493 c.3.Evaluation criteria for the award of information 494 technology-related state term contracts. 495 d.4.The term of each information technology-related state 496 term contract. 497 e.5.The maximum number of vendors authorized on each state 498 term contract. 499 2.(b)Evaluate vendor responses for information technology 500 related state term contract solicitations and invitations to 501 negotiate. 502 3.(c)Answer vendor questions on information technology 503 related state term contract solicitations. 504 4.(d)Ensure that the information technology policy 505 established pursuant to subparagraph 1.paragraph (a)is 506 included in all solicitations and contracts that are 507 administratively executed by the department. 508 (q)(17)Recommend potential methods for standardizing data 509 across state agencies which will promote interoperability and 510 reduce the collection of duplicative data. 511 (r)(18)Recommend open data technical standards and 512 terminologies for use by the enterprisestate agencies. 513 (2)(a) The Secretary of Management Services shall designate 514 a state chief information officer, who shall administer the 515 Florida Digital Service and is included in the Senior Management 516 Service. 517 (b) The state chief information officer shall designate a 518 chief data officer, who shall report to the state chief 519 information officer and is included in the Senior Management 520 Service. 521 (3) The Florida Digital Service shall, pursuant to 522 legislative appropriation: 523 (a) Create and maintain a comprehensive indexed data 524 catalog that lists what data elements are housed within the 525 enterprise and in which legacy system or application these data 526 elements are located. 527 (b) Develop and publish, in collaboration with the 528 enterprise, a data dictionary for each agency which reflects the 529 nomenclature in the comprehensive indexed data catalog. 530 (c) Review and document use cases across the enterprise 531 architecture. 532 (d) Develop and publish standards that support the creation 533 and deployment of application programming interfaces to 534 facilitate integration throughout the enterprise. 535 (e) Publish standards necessary to facilitate a secure 536 ecosystem of data interoperability which is compliant with the 537 enterprise architecture and allows for a qualified entity to 538 access the enterprise’s data under the terms of the agreements 539 with the department. However, enterprise data do not include 540 data that are restricted from public distribution based on 541 federal or state privacy, confidentiality, or security laws and 542 regulations. 543 (f) Publish standards that facilitate the deployment of 544 applications or solutions to existing enterprise obligations in 545 a controlled and phased approach, including, but not limited to: 546 1. Electronic credentials, including digital proofs of a 547 driver license as specified in s. 322.032. 548 2. Interoperability that enables supervisors of elections 549 to authenticate voter eligibility in real time at the point of 550 service. 551 3. The criminal justice database. 552 4. Motor vehicle insurance cancellation integration between 553 insurers and the Department of Highway Safety and Motor 554 Vehicles. 555 5. Interoperability solutions between agencies, including, 556 but not limited to, the Department of Health, the Agency for 557 Health Care Administration, the Agency for Persons with 558 Disabilities, the Department of Education, the Department of 559 Elderly Affairs, and the Department of Children and Families. 560 6. Interoperability solutions to support military members, 561 veterans, and their families. 562 (4) Pursuant to legislative authorization and subject to 563 appropriation: 564 (a) The department may procure a credential service 565 provider through a competitive process pursuant to s. 287.057. 566 The terms of the contract developed from such procurement must 567 pay for the value on a per-data-call or subscription basis, and 568 there shall be no cost to the enterprise or law enforcement for 569 using the services provided by the credential service provider. 570 (b) The department may enter into agreements with qualified 571 entities that have the technological capabilities necessary to 572 integrate with the credential service provider; ensure secure 573 validation and authentication of data; meet usage criteria; and 574 agree to terms and conditions, privacy policies, and uniform 575 remittance terms relating to the consumption of enterprise data. 576 Enterprise data do not include data that are restricted from 577 public disclosure based on federal or state privacy, 578 confidentiality, or security laws and regulations. These 579 agreements must include clear, enforceable, and significant 580 penalties for violations of the agreements. 581 (c) The terms of the agreements between the department and 582 the credential service provider and between the department and 583 the qualified entities must be based on the per-data-call or 584 subscription charges to validate and authenticate an electronic 585 credential and allow the department to recover any state costs 586 for implementing and administering an electronic credential 587 solution. Credential service provider and qualifying entity 588 revenues may not be derived from any other transactions that 589 generate revenue for the enterprise outside of the per-data-call 590 or subscription charges. 591 (d) All revenues generated from the agreements with the 592 credential service provider and qualified entities shall be 593 remitted to the department, and the department shall deposit 594 these revenues into the Department of Management Services 595 Operating Trust Fund for distribution pursuant to a legislative 596 appropriation and department agreements with the credential 597 service provider and qualified entities. 598 (e) Upon the signing of the agreement and the enterprise 599 architecture terms of service and privacy policies with a 600 qualified entity, the department shall facilitate authorized 601 integrations between the qualified entity and the credential 602 service provider. 603 (5) Upon the adoption of the enterprise architecture, the 604 Florida Digital Service may develop a process to: 605 (a) Receive written notice from the enterprise of any 606 procurement of an information technology project that is subject 607 to enterprise architecture standards. 608 (b) Participate in the development of specifications and 609 recommend modifications of any procurement by state agencies so 610 that the procurement complies with the enterprise architecture. 611 (6)(19)The Florida Digital Service may adopt rules to 612 administer this section. 613 Section 4. Section 282.00515, Florida Statutes, is amended 614 to read: 615 282.00515 Duties of Cabinet agencies.— 616 (1) The Department of Legal Affairs, the Department of 617 Financial Services, and the Department of Agriculture and 618 Consumer Services shall adopt the standards established in s. 619 282.0051(1)(b), (c), (g), (r), and (3)(e)s. 282.0051(2), (3),620and (7)or adopt alternative standards based on best practices 621 and industry standards that allow for the interoperability of 622 open data within the enterprise. 623 (2) If the Department of Legal Affairs, the Department of 624 Financial Services, or the Department of Agriculture and 625 Consumer Services adopts alternative standards in lieu of the 626 enterprise architecture standards in s. 282.0051, such agency 627 shall notify the Governor, the President of the Senate, and 628 Speaker of the House of Representatives in writing before the 629 adoption of the alternative standards and annually thereafter, 630 until such agency adopts the enterprise architecture standards 631 in s. 282.0051. The notification must include the following: 632 (a) A detailed plan of how such agency will comply with the 633 interoperability requirements referenced in this chapter. 634 (b) An estimated cost and time difference between adhering 635 to the enterprise architecture or choosing alternative 636 standards. 637 (c) A detailed security risk assessment of adopting 638 alternative standards versus adopting the enterprise 639 architecture. 640 (d) Certification by the agency head or the agency head’s 641 designated representative that the agency’s strategic and 642 operational information technology security plans as required by 643 s. 282.318(4) include provisions related to interoperability. 644 (3) The Department of Legal Affairs, the Department of 645 Financial Services, or the Department of Agriculture and 646 Consumer Services may contract with the department to provide or 647 perform any of the services and functions described in s. 648 282.0051. 649 (4)(a) This section or s. 282.0051 does not require the 650 Department of Legal Affairs, the Department of Financial 651 Services, or the Department of Agriculture and Consumer Services 652 to integrate with any information technology outside its own 653 department or contract with a credential service provider. 654 (b) The Florida Digital Service may not retrieve or publish 655 data without a data sharing agreement in place between the 656 Florida Digital Service and the Department of Legal Affairs, the 657 Department of Financial Services, or the Department of 658 Agriculture and Consumer Services, and may contract with the659department to provide or perform any of the services and660functions described in s. 282.0051 for the Department of Legal661Affairs, the Department of Financial Services, or the Department662of Agriculture and Consumer Services. 663 Section 5. Paragraph (a) of subsection (3) of section 664 282.318, Florida Statutes, is amended to read: 665 282.318 Security of data and information technology.— 666 (3) The department is responsible for establishing 667 standards and processes consistent with generally accepted best 668 practices for information technology security, to include 669 cybersecurity, and adopting rules that safeguard an agency’s 670 data, information, and information technology resources to 671 ensure availability, confidentiality, and integrity and to 672 mitigate risks. The department shall also: 673 (a) Designate a state chief information security officer 674 who shall report to the state chief information officer of the 675 Florida Digital Service and is in the Senior Management Service. 676 The state chief information security officer must have 677 experience and expertise in security and risk management for 678 communications and information technology resources. 679 Section 6. Subsection (4) of section 287.0591, Florida 680 Statutes, is amended to read: 681 287.0591 Information technology.— 682 (4) If the department issues a competitive solicitation for 683 information technology commodities, consultant services, or 684 staff augmentation contractual services, the Florida Digital 685 ServiceDivision of State Technologywithin the department shall 686 participate in such solicitations. 687 Section 7. Paragraph (a) of subsection (3) of section 688 365.171, Florida Statutes, is amended to read: 689 365.171 Emergency communications number E911 state plan.— 690 (3) DEFINITIONS.—As used in this section, the term: 691 (a) “Office” means the Division of TelecommunicationsState692Technologywithin the Department of Management Services, as 693 designated by the secretary of the department. 694 Section 8. Paragraph (s) of subsection (3) of section 695 365.172, Florida Statutes, is amended to read: 696 365.172 Emergency communications number “E911.”— 697 (3) DEFINITIONS.—Only as used in this section and ss. 698 365.171, 365.173, 365.174, and 365.177, the term: 699 (s) “Office” means the Division of TelecommunicationsState700Technologywithin the Department of Management Services, as 701 designated by the secretary of the department. 702 Section 9. Paragraph (a) of subsection (1) of section 703 365.173, Florida Statutes, is amended to read: 704 365.173 Communications Number E911 System Fund.— 705 (1) REVENUES.— 706 (a) Revenues derived from the fee levied on subscribers 707 under s. 365.172(8) must be paid by the board into the State 708 Treasury on or before the 15th day of each month. Such moneys 709 must be accounted for in a special fund to be designated as the 710 Emergency Communications Number E911 System Fund, a fund created 711 in the Division of TelecommunicationsState Technology, or other 712 office as designated by the Secretary of Management Services. 713 Section 10. Subsection (5) of section 943.0415, Florida 714 Statutes, is amended to read: 715 943.0415 Cybercrime Office.—There is created within the 716 Department of Law Enforcement the Cybercrime Office. The office 717 may: 718 (5) Consult with the Florida Digital ServiceDivision of719State Technologywithin the Department of Management Services in 720 the adoption of rules relating to the information technology 721 security provisions in s. 282.318. 722 Section 11. Effective January 1, 2021, section 559.952, 723 Florida Statutes, is created to read: 724 559.952 Financial Technology Sandbox.— 725 (1) SHORT TITLE.—This section may be cited as the 726 “Financial Technology Sandbox.” 727 (2) CREATION OF THE FINANCIAL TECHNOLOGY SANDBOX.—There is 728 created the Financial Technology Sandbox within the Office of 729 Financial Regulation to allow financial technology innovators to 730 test new products and services in a supervised, flexible 731 regulatory sandbox using exceptions to specified general law and 732 waivers of the corresponding rule requirements under defined 733 conditions. The creation of a supervised, flexible regulatory 734 sandbox provides a welcoming business environment for technology 735 innovators and may lead to significant business growth. 736 (3) DEFINITIONS.—As used in this section, the term: 737 (a) “Business entity” means a domestic corporation or other 738 organized domestic entity with a physical presence, other than 739 that of a registered office or agent or virtual mailbox, in this 740 state. 741 (b) “Commission” means the Financial Services Commission. 742 (c) “Consumer” means a person in this state, whether a 743 natural person or a business entity, who purchases, uses, 744 receives, or enters into an agreement to purchase, use, or 745 receive an innovative financial product or service made 746 available through the Financial Technology Sandbox. 747 (d) “Control person” means an individual, a partnership, a 748 corporation, a trust, or other organization that possesses the 749 power, directly or indirectly, to direct the management or 750 policies of a company, whether through ownership of securities, 751 by contract, or through other means. A person is presumed to 752 control a company if, with respect to a particular company, that 753 person: 754 1. Is a director, a general partner, or an officer 755 exercising executive responsibility or having similar status or 756 functions; 757 2. Directly or indirectly may vote 10 percent or more of a 758 class of a voting security or sell or direct the sale of 10 759 percent or more of a class of voting securities; or 760 3. In the case of a partnership, may receive upon 761 dissolution or has contributed 10 percent or more of the 762 capital. 763 (e) “Financial product or service” means a product or 764 service related to a consumer finance loan, as defined in s. 765 516.01, or a money transmitter and payment instrument seller, as 766 defined in s. 560.103, including mediums of exchange that are in 767 electronic or digital form, which is subject to general law or 768 corresponding rule requirements in the sections enumerated in 769 paragraph (4)(a) and which is under the jurisdiction of the 770 office. 771 (f) “Financial Technology Sandbox” means the program 772 created in this section which allows a licensee to make an 773 innovative financial product or service available to consumers 774 as a person who makes and collects consumer finance loans, as 775 defined in s. 516.01, or as a money transmitter or payment 776 instrument seller, as defined in s. 560.103, during a sandbox 777 period through an exception to general laws or a waiver of rule 778 requirements, or portions thereof, as specified in this section. 779 (g) “Innovative” means new or emerging technology, or new 780 uses of existing technology, which provides a product, service, 781 business model, or delivery mechanism to the public and which is 782 not known to have a comparable offering in this state outside 783 the Financial Technology Sandbox. 784 (h) “Licensee” means a person who has been approved by the 785 office to participate in the Financial Technology Sandbox. 786 (i) “Office” means, unless the context clearly indicates 787 otherwise, the Office of Financial Regulation. 788 (j) “Sandbox period” means the period, initially not longer 789 than 24 months, in which the office has: 790 1. Authorized an innovative financial product or service to 791 be made available to consumers. 792 2. Granted the licensee who makes the innovative financial 793 product or service available an exception to general law or a 794 waiver of the corresponding rule requirements, as determined by 795 the office, so that the authorization under subparagraph 1. is 796 possible. 797 (4) EXCEPTIONS TO GENERAL LAW AND WAIVERS OF RULE 798 REQUIREMENTS.— 799 (a) Notwithstanding any other law, upon approval of a 800 Financial Technology Sandbox application, the office shall grant 801 an applicant a license and a waiver of a requirement, or a 802 portion thereof, which is imposed by rule as authorized by any 803 of the following provisions of general law, if all of the 804 conditions in paragraph (b) are met. If the application is 805 approved for a person who otherwise would be subject to chapter 806 516 or chapter 560, the following provisions are not applicable 807 to the licensee: 808 1. Section 516.03, except for the application fee for a 809 license, the investigation fee, evidence of liquid assets of at 810 least $25,000, and the office’s authority to make an 811 investigation of the facts concerning the applicant’s background 812 as provided in s. 516.03(1). The office may prorate the license 813 renewal fees for an extension granted under subsection (7). 814 2. Section 516.05, except for s. 516.05(4), (5), and (7) 815 (9). 816 3. Section 560.109, to the extent that it requires the 817 office to examine a licensee at least once every 5 years. 818 4. Section 560.118, except for s. 560.118(1). 819 5. Section 560.125(1), to the extent that subsection would 820 prohibit a licensee from engaging in the business of a money 821 services business during the sandbox period; and s. 560.125(2), 822 to the extent that subsection would prohibit a licensee from 823 appointing an authorized vendor during the sandbox period. 824 6. Section 560.128. 825 7. Section 560.141, except for s. 560.141(1)(a)3., 8., 9., 826 and 10. and (1)(b), (c), and (d). 827 8. Section 560.142, except that the office may prorate, but 828 may not entirely waive, the license renewal fees provided in ss. 829 560.142 and 560.143 for an extension granted under subsection 830 (7). 831 9. Section 560.143(2), to the extent necessary for 832 proration of the renewal fee under subparagraph 8. 833 10. Section 560.204(1), to the extent that subsection would 834 prohibit a licensee from engaging in, or advertising it engages 835 in, the selling or issuing of payment instruments or in the 836 activity of a money transmitter during the sandbox period. 837 11. Section 560.205, except for s. 560.205(1), (3), and 838 (4). 839 12. Section 560.208, except for s. 560.208(3)-(6). 840 13. Section 560.209, except that the office may modify, but 841 may not entirely waive, the net worth, corporate surety bond, 842 and collateral deposit amounts required under that section. The 843 modified amounts must be in such lower amounts that the office 844 determines to be commensurate with the considerations under 845 paragraph (5)(d) and the maximum number of consumers authorized 846 to receive the financial product or service under this section. 847 (b) The office may grant, during a sandbox period, an 848 exception of a requirement, or a portion thereof, imposed by a 849 general law or waiver of a corresponding rule in any section 850 enumerated in paragraph (a) to a licensee, if all of the 851 following conditions are met: 852 1. The general law or corresponding rule currently prevents 853 the innovative financial product or service from being made 854 available to consumers. 855 2. The exceptions or rule waivers are not broader than 856 necessary to accomplish the purposes and standards specified in 857 this section, as determined by the office. 858 3. No provision relating to the liability of an 859 incorporator, a director, or an officer of the applicant is 860 eligible for a waiver. 861 4. The other requirements of this section are met. 862 (5) FINANCIAL TECHNOLOGY SANDBOX APPLICATION; STANDARDS FOR 863 APPROVAL.— 864 (a) Before filing an application for licensure under this 865 section, a substantially affected person may seek a declaratory 866 statement pursuant to s. 120.565 regarding the applicability of 867 a statute, a rule, or an agency order to the petitioner’s 868 particular set of circumstances. 869 (b) Before making an innovative financial product or 870 service available to consumers in the Financial Technology 871 Sandbox, a person must file an application for licensure with 872 the office. The commission shall, by rule, prescribe the form 873 and manner of the application. 874 1. In the application, the person must specify the general 875 law or rule requirements for which an exception or waiver is 876 sought and the reasons why these requirements prevent the 877 innovative financial product or service from being made 878 available to consumers. 879 2. The application also must contain the information 880 specified in paragraph (d). 881 (c)1. A business entity may file an application for 882 licensure. 883 2. Before a person applies on behalf of a business entity 884 intending to make an innovative financial product or service 885 available to consumers, the person must obtain the consent of 886 the business entity. 887 (d) The office shall approve or deny in writing a Financial 888 Technology Sandbox application within 60 days after receiving 889 the completed application. The office and the applicant may 890 jointly agree to extend the time beyond 60 days. Consistent with 891 this section, the office may impose conditions on any approval. 892 In deciding whether to approve or deny an application for 893 licensure, the office must consider each of the following: 894 1. The nature of the innovative financial product or 895 service proposed to be made available to consumers in the 896 Financial Technology Sandbox, including all relevant technical 897 details. 898 2. The potential risk to consumers and the methods that 899 will be used to protect consumers and resolve complaints during 900 the sandbox period. 901 3. The business plan proposed by the applicant, including 902 company information, market analysis, and financial projections 903 or pro forma financial statements. 904 4. Whether the applicant has the necessary personnel, 905 adequate financial and technical expertise, and a sufficient 906 plan to test, monitor, and assess the innovative financial 907 product or service. 908 5. If any control person of the applicant’s innovative 909 financial product or service has pled no contest to, has been 910 convicted or found guilty of, or is currently under 911 investigation for, fraud, a state or federal securities 912 violation, a property-based offense, or a crime involving moral 913 turpitude or dishonest dealing, the application to the Financial 914 Technology Sandbox must be denied. A plea of no contest, a 915 conviction, or a finding of guilt must be reported under this 916 subparagraph regardless of adjudication. 917 6. A copy of the disclosures that will be provided to 918 consumers under paragraph (6)(c). 919 7. The financial responsibility of any control person. 920 8. Any other factor that the office determines to be 921 relevant. 922 (e) The office may not approve an application if: 923 1. The applicant had a prior Financial Technology Sandbox 924 application that was approved and that related to a 925 substantially similar financial product or service; or 926 2. Any control person substantially involved in the 927 development, operation, or management of the applicant’s 928 innovative financial product or service was substantially 929 involved in such with another Financial Technology Sandbox 930 applicant whose application was approved and whose application 931 related to a substantially similar financial product or service. 932 (f) Upon approval of an application, the office shall 933 specify the general law or rule requirements, or portions 934 thereof, for which an exception or a waiver is granted during 935 the sandbox period and the length of the initial sandbox period, 936 not to exceed 24 months. The office shall post on its website 937 notice of the approval of the application, a summary of the 938 innovative financial product or service, and the contact 939 information of the person making the financial product or 940 service available. 941 (6) OPERATION OF THE FINANCIAL TECHNOLOGY SANDBOX.— 942 (a) A licensee under this section may make an innovative 943 financial product or service available to consumers during the 944 sandbox period. 945 (b) The office, on a case-by-case basis, may specify the 946 maximum number of consumers authorized to receive an innovative 947 financial product or service, after consultation with the person 948 who makes the financial product or service available to 949 consumers. The office may not authorize more than 15,000 950 consumers to receive the financial product or service until the 951 licensee who makes the financial product or service available to 952 consumers has filed the first report required under subsection 953 (8). After the filing of that report, if the licensee 954 demonstrates adequate financial capitalization, risk management 955 processes, and management oversight, the office may authorize up 956 to 25,000 consumers to receive the financial product or service. 957 (c)1. Before a consumer purchases, uses, receives, or 958 enters into an agreement to purchase, use, or receive an 959 innovative financial product or service through the Financial 960 Technology Sandbox, the licensee making the financial product or 961 service available must provide a written statement of all of the 962 following to the consumer: 963 a. The name and contact information of the person making 964 the financial product or service available to consumers. 965 b. That the financial product or service has been 966 authorized to be made available to consumers for a temporary 967 period by the office, under the laws of this state. 968 c. That the state does not endorse the financial product or 969 service. 970 d. That the financial product or service is undergoing 971 testing, may not function as intended, and may entail financial 972 risk. 973 e. That the licensee making the financial product or 974 service available to consumers is not immune from civil 975 liability for any losses or damages caused by the financial 976 product or service. 977 f. The expected end date of the sandbox period. 978 g. The contact information for the office and notification 979 that suspected legal violations, complaints, or other comments 980 related to the financial product or service may be submitted to 981 the office. 982 h. Any other statements or disclosures required by rule of 983 the commission which are necessary to further the purposes of 984 this section. 985 2. The written statement must contain an acknowledgement 986 from the consumer, which must be retained for the duration of 987 the sandbox period by the licensee making the financial product 988 or service available. 989 (d) The office may enter into an agreement with a state, 990 federal, or foreign regulatory agency to allow persons who make 991 an innovative financial product or service available in this 992 state through the Financial Technology Sandbox to make their 993 products or services available in other jurisdictions. The 994 commission shall adopt rules to implement this paragraph. 995 (e) The office may examine the records of a licensee at any 996 time, with or without prior notice. 997 (7) EXTENSIONS AND CONCLUSION OF SANDBOX PERIOD.— 998 (a) A licensee may apply for an extension of the initial 999 sandbox period for up to 12 additional months for a purpose 1000 specified in subparagraph (b)1. or subparagraph (b)2. A complete 1001 application for an extension must be filed with the office at 1002 least 90 days before the conclusion of the initial sandbox 1003 period. The office shall approve or deny the application for 1004 extension in writing at least 35 days before the conclusion of 1005 the initial sandbox period. In deciding to approve or deny an 1006 application for extension of the sandbox period, the office 1007 must, at a minimum, consider the current status of the factors 1008 previously considered under paragraph (5)(d). 1009 (b) An application for an extension under paragraph (a) 1010 must cite one of the following reasons as the basis for the 1011 application and must provide all relevant supporting information 1012 that: 1013 1. Amendments to general law or rules are necessary to 1014 offer the innovative financial product or service in this state 1015 permanently. 1016 2. An application for a license that is required in order 1017 to offer the innovative financial product or service in this 1018 state permanently has been filed with the office, and approval 1019 is pending. 1020 (c) At least 30 days before the conclusion of the initial 1021 sandbox period or the extension, whichever is later, a licensee 1022 shall provide written notification to consumers regarding the 1023 conclusion of the initial sandbox period or the extension and 1024 may not make the financial product or service available to any 1025 new consumers after the conclusion of the initial sandbox period 1026 or the extension, whichever is later, until legal authority 1027 outside of the Financial Technology Sandbox exists for the 1028 licensee to make the financial product or service available to 1029 consumers. After the conclusion of the sandbox period or the 1030 extension, whichever is later, the licensee may: 1031 1. Collect and receive money owed to the person or pay 1032 money owed by the person, based on agreements with consumers 1033 made before the conclusion of the sandbox period or the 1034 extension. 1035 2. Take necessary legal action. 1036 3. Take other actions authorized by commission rule which 1037 are not inconsistent with this subsection. 1038 (8) REPORT.—A licensee shall submit a report to the office 1039 twice a year as prescribed by commission rule. The report must, 1040 at a minimum, include financial reports and the number of 1041 consumers who have received the financial product or service. 1042 (9) CONSTRUCTION.—A person whose Financial Technology 1043 Sandbox application is approved is deemed licensed under this 1044 section and is subject to chapter 516 or chapter 560 with the 1045 applicable exceptions to general law or waiver of the rule 1046 requirements of chapter 516 or chapter 560 specified under 1047 paragraph (4)(a), unless the person’s license has been revoked 1048 or suspended. Notwithstanding s. 560.204(2), a licensee may not 1049 engage in activities authorized under part III of chapter 560. 1050 (10) VIOLATIONS AND PENALTIES.— 1051 (a) A licensee who makes an innovative financial product or 1052 service available to consumers in the Financial Technology 1053 Sandbox is: 1054 1. Not immune from civil damages for acts and omissions 1055 relating to this section. 1056 2. Subject to all criminal and any other statute not 1057 specifically excepted under paragraph (4)(a). 1058 (b)1. The office may, by order, revoke or suspend a license 1059 of a person to make an innovative financial product or service 1060 available to consumers if: 1061 a. The person has violated or refused to comply with this 1062 section, a rule of the commission, an order of the office, or a 1063 condition placed by the office on the approval of the person’s 1064 Financial Technology Sandbox application; 1065 b. A fact or condition exists that, if it had existed or 1066 become known at the time that the Financial Technology Sandbox 1067 application was pending, would have warranted denial of the 1068 application or the imposition of material conditions; 1069 c. A material error, false statement, misrepresentation, or 1070 material omission was made in the Financial Technology Sandbox 1071 application; or 1072 d. After consultation with the licensee, the office 1073 determines that continued testing of the innovative financial 1074 product or service would: 1075 (I) Be likely to harm consumers; or 1076 (II) No longer serve the purposes of this section because 1077 of the financial or operational failure of the financial product 1078 or service. 1079 2. Written notice of a revocation or suspension order made 1080 under subparagraph 1. must be served using any means authorized 1081 by law. If the notice relates to a suspension, the notice must 1082 include any condition or remedial action that the person must 1083 complete before the office lifts the suspension. 1084 (c) The office may refer any suspected violation of law to 1085 an appropriate state or federal agency for investigation, 1086 prosecution, civil penalties, and other appropriate enforcement 1087 action. 1088 (d) If service of process on a person making an innovative 1089 financial product or service available to consumers in the 1090 Financial Technology Sandbox is not feasible, service on the 1091 office is deemed service on such person. 1092 (11) RULES AND ORDERS.— 1093 (a) The commission shall adopt rules to administer this 1094 section. 1095 (b) The office may issue all necessary orders to enforce 1096 this section and may enforce these orders in accordance with 1097 chapter 120 or in any court of competent jurisdiction. These 1098 orders include, but are not limited to, orders for payment of 1099 restitution for harm suffered by consumers as a result of an 1100 innovative financial product or service. 1101 Section 12. For the 2020-2021 fiscal year, the sum of 1102 $50,000 in nonrecurring funds is appropriated from the 1103 Administrative Trust Fund to the Office of Financial Regulation 1104 to implement s. 559.952, Florida Statutes, as created by this 1105 act. 1106 Section 13. Except as otherwise expressly provided in this 1107 act, this act shall take effect July 1, 2020.