Florida · Senate Bill
SB1746
Florida SB 1746 — Florida Consumer Privacy Act (Pricing Based on Collection of Consumer Information)

Status ● Failed Effective N/A Passage Likelihood N/A

WHAT THIS BILL REGULATES · 2 REQUIREMENT TYPES

How Is This Bill Enforced

Enforcement Authority
Attorney General or any state attorney may bring a civil action on behalf of the state. Private right of action: a person aggrieved by a violation may bring a civil action on behalf of themselves or a group of similarly situated persons. Both public and private enforcement are expressly cumulative to other remedies.
Private Right of Action
may bring a civil action on behalf of the state.
Penalties
Public action: civil penalty up to $1,500 per violation, each consumer/worker/transaction a separate violation; attorney fees and costs to prevailing party. Private action: actual damages with 8% prejudgment interest, OR $1,500 per violation, OR treble actual damages on clear-and-convincing showing of bad faith or intentional violation (greater of). Mandatory disgorgement of all revenues earned from violations. Injunctive and declaratory relief available. Reasonable attorney fees and costs awarded to prevailing plaintiffs.

What This Bill Requires

Verbatim statutory text on the left; plain-language analysis and a per-section checklist on the right. Numbered markers cross-link to the matching checklist row.

Statutory Text
Analysis & Obligations
Section 1 (Short Title)
Short title — Florida Consumer Privacy Act

This act may be cited as the "Florida ConsumerConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) Privacy Act."

Section 1 names the act the Florida Consumer Privacy Act. Despite the name, the bill's substantive operative scope is narrowly focused on personalized algorithmic pricing rather than a comprehensive privacy framework.

Fla. Stat. § 501.003
Florida Consumer Privacy Act — surveillance pricing prohibition
DeployerPublisher

(1) As used in this section, the term: (a) "CollectsCollects"Collects," "collected," or "collection" means buying, renting, gathering, obtaining, receiving, or accessing any personal information relating to a consumer by any means. The term includes receiving information from the consumer, either actively or passively, or by observing the consumer's behavior.Fla. Stat. § 501.003(1)(a)," "collected," or "collection" means buying, renting, gathering, obtaining, receiving, or accessing any personal informationPersonal information"Personal information" means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. [Includes identifiers; commercial information; biometric, health, or genetic information; internet/electronic network activity; geolocation data (excluding objective uniformly applied shipping costs/taxes/tariffs); audio, electronic, visual, thermal, olfactory, or similar information; professional or employment information; hardware information or hardware state of the online device, including price increases based on payment information unless tied to a specific objective and uniformly applied transaction fee, and not including pricing for repairs, maintenance, or trade-in valuation; and inferences drawn from any of the foregoing to create a profile reflecting the consumer's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. Does not include publicly available information, lawfully obtained truthful information that is a matter of public concern, or deidentified or aggregate consumer information used for advertising or targeted marketing where pricing does not vary between consumers.]Fla. Stat. § 501.003(1)(d) relating to a consumerConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) by any means... (b) "ConsumerConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b)" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual. (c) "Covered informationCovered information"Covered information" means aggregate personal information.Fla. Stat. § 501.003(1)(c)" means aggregate personal informationPersonal information"Personal information" means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. [Includes identifiers; commercial information; biometric, health, or genetic information; internet/electronic network activity; geolocation data (excluding objective uniformly applied shipping costs/taxes/tariffs); audio, electronic, visual, thermal, olfactory, or similar information; professional or employment information; hardware information or hardware state of the online device, including price increases based on payment information unless tied to a specific objective and uniformly applied transaction fee, and not including pricing for repairs, maintenance, or trade-in valuation; and inferences drawn from any of the foregoing to create a profile reflecting the consumer's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. Does not include publicly available information, lawfully obtained truthful information that is a matter of public concern, or deidentified or aggregate consumer information used for advertising or targeted marketing where pricing does not vary between consumers.]Fla. Stat. § 501.003(1)(d). (d) "Personal informationPersonal information"Personal information" means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. [Includes identifiers; commercial information; biometric, health, or genetic information; internet/electronic network activity; geolocation data (excluding objective uniformly applied shipping costs/taxes/tariffs); audio, electronic, visual, thermal, olfactory, or similar information; professional or employment information; hardware information or hardware state of the online device, including price increases based on payment information unless tied to a specific objective and uniformly applied transaction fee, and not including pricing for repairs, maintenance, or trade-in valuation; and inferences drawn from any of the foregoing to create a profile reflecting the consumer's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. Does not include publicly available information, lawfully obtained truthful information that is a matter of public concern, or deidentified or aggregate consumer information used for advertising or targeted marketing where pricing does not vary between consumers.]Fla. Stat. § 501.003(1)(d)" means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumerConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) or household. [enumerated categories and exclusions]. (e) "Surveillance pricingSurveillance pricing"Surveillance pricing" means offering or setting a personalized price for a good or service for a specific consumer or group of consumers based, in whole or in part, on covered information collected through any targeted pricing technologies, such as electronic or any other surveillance method. The term includes the use of technological methods, systems, or tools, including sensors, cameras, device tracking, biometric monitoring, cookies, or other forms of observation or data collection that are capable of gathering covered information about consumer behavior, characteristics, location, or other personal attributes, whether in physical or digital environments, including external or virtual attributes such as user hardware and payment methods. Surveillance pricing also includes dynamic pricing whereby a party engages in price fixing to adjust product prices in real time based on market demands, competitor prices, inventory levels, customer behavior, or other factors a person may use to determine or set prices for a product.Fla. Stat. § 501.003(1)(e)" means offering or setting a personalized price for a good or service for a specific consumerConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) or group of consumersConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) based, in whole or in part, on covered informationCovered information"Covered information" means aggregate personal information.Fla. Stat. § 501.003(1)(c) collected through any targeted pricing technologies... [includes dynamic pricing].

(2)(a)–(b) 1 Notwithstanding any law to the contrary, a person may not engage in any act of surveillance pricingSurveillance pricing"Surveillance pricing" means offering or setting a personalized price for a good or service for a specific consumer or group of consumers based, in whole or in part, on covered information collected through any targeted pricing technologies, such as electronic or any other surveillance method. The term includes the use of technological methods, systems, or tools, including sensors, cameras, device tracking, biometric monitoring, cookies, or other forms of observation or data collection that are capable of gathering covered information about consumer behavior, characteristics, location, or other personal attributes, whether in physical or digital environments, including external or virtual attributes such as user hardware and payment methods. Surveillance pricing also includes dynamic pricing whereby a party engages in price fixing to adjust product prices in real time based on market demands, competitor prices, inventory levels, customer behavior, or other factors a person may use to determine or set prices for a product.Fla. Stat. § 501.003(1)(e) to charge, offer, or accept payment of an increased price for goods or services. (b) This subsection does not apply to a refusal to extend credit on specific terms, such as credit cards, personal loans, and mortgages, or a refusal to enter into a transaction with a specific consumerConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b), based primarily on information contained in a consumerConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) report in accordance with the federal Fair Credit Reporting Act.

(3)(a)–(c) 2 A person does not engage in surveillance pricingSurveillance pricing"Surveillance pricing" means offering or setting a personalized price for a good or service for a specific consumer or group of consumers based, in whole or in part, on covered information collected through any targeted pricing technologies, such as electronic or any other surveillance method. The term includes the use of technological methods, systems, or tools, including sensors, cameras, device tracking, biometric monitoring, cookies, or other forms of observation or data collection that are capable of gathering covered information about consumer behavior, characteristics, location, or other personal attributes, whether in physical or digital environments, including external or virtual attributes such as user hardware and payment methods. Surveillance pricing also includes dynamic pricing whereby a party engages in price fixing to adjust product prices in real time based on market demands, competitor prices, inventory levels, customer behavior, or other factors a person may use to determine or set prices for a product.Fla. Stat. § 501.003(1)(e) in violation of paragraph (2)(a) if: 1. The difference in price is based solely on objective costs associated with providing the good or service to different consumersConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b), such as zip codes, which can cause shipping or tax cost variations. 2. A discounted price is offered based on publicly disclosed eligibility criteria, including, but not limited to, signing up for a mailing list, registering for promotional communications, or participating in a promotional event, or the use of or access to forms of payment, such as credit or debit cards, online wallets, or other accepted forms of payment. 3. A discounted price is offered to members of a broadly defined group, including, but not limited to, teachers, veterans, senior citizens, or students, based on publicly disclosed eligibility criteria. 4. A discounted price is offered through a loyalty, membership, or rewards program in which consumersConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) affirmatively enroll. 5. The pricing analysis is being conducted by an insurer complying with the Florida Insurance Code, or a credit analyst in compliance with the federal Fair Credit Reporting Act. (b) The discounted price offered in subparagraph (a)2., subparagraph (a)3., or subparagraph (a)4. must comply with the following: 1. The eligibility criteria, available discounts, and any conditions for receiving or earning the discount or reward shall be clearly and conspicuously disclosed before any covered informationCovered information"Covered information" means aggregate personal information.Fla. Stat. § 501.003(1)(c) is collected. 2. The discount or reward shall be offered uniformly to all consumersConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) who meet the disclosed eligibility criteria. (c) Any covered informationCovered information"Covered information" means aggregate personal information.Fla. Stat. § 501.003(1)(c) collected pursuant to this subsection shall be used solely for the purpose of offering or administering the applicable discount, cost-based pricing, or loyalty program and may not be used for any other purpose, including profiling, targeted advertising, or individualized price setting.

(4) 3 A person who knowingly advertises, promotes, labels, or publishes a statement, display, image, offer, or announcement of surveillance pricingSurveillance pricing"Surveillance pricing" means offering or setting a personalized price for a good or service for a specific consumer or group of consumers based, in whole or in part, on covered information collected through any targeted pricing technologies, such as electronic or any other surveillance method. The term includes the use of technological methods, systems, or tools, including sensors, cameras, device tracking, biometric monitoring, cookies, or other forms of observation or data collection that are capable of gathering covered information about consumer behavior, characteristics, location, or other personal attributes, whether in physical or digital environments, including external or virtual attributes such as user hardware and payment methods. Surveillance pricing also includes dynamic pricing whereby a party engages in price fixing to adjust product prices in real time based on market demands, competitor prices, inventory levels, customer behavior, or other factors a person may use to determine or set prices for a product.Fla. Stat. § 501.003(1)(e) shall include with such statement, display, image, offer, or announcement a clear and conspicuous disclosure that states: THIS PRICE WAS SET BY A SURVEILLANCE METHOD USING YOUR PERSONAL CONSUMERConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) INFORMATION.

(5)(a)–(e) The Attorney General or any state attorney may bring a civil action on behalf of the state to seek the imposition of civil penalties against any person who violates this section. A civil penalty not to exceed $1,500 shall be imposed for each violation, with each violation constituting a separate violation with respect to each consumerConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b), worker, or transaction involved. Attorney fees and costs shall be awarded to the prevailing party. (b) In addition to any other remedy available at law or in equity, a person aggrieved by a violation of this section may bring a civil action on behalf of a person or a group of similarly situated persons to restrain further violations and to recover damages, reasonable attorney fees, and costs, including the greater of: 1. The amount of actual damages sustained, including prejudgment interest of 8 percent per year from the date the claim under this section accrued; 2. A civil penalty not to exceed $1,500 for each violation, with each violation constituting a separate violation with respect to each consumerConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b), worker, or transaction involved; or 3. Three times the amount of actual damages sustained, if it is established by clear and convincing evidence that such person violating this section engaged in bad faith conduct or intentionally violated this section. (c) A person who violates this section shall be required to disgorge all revenues earned thereby. A prevailing plaintiff shall be awarded reasonable attorney fees and costs. A court may also award injunctive or declaratory relief as necessary. (d) This subsection is cumulative to other existing remedies and penalties and does not limit other remedies and penalties that are available under the laws of this state or any applicable federal or local law. (e) This section, including the enforcement authority granted to the Attorney General and the state attorneys of this state, does not preempt or otherwise affect any other right, claim, remedy, presumption, or defense available at law or in equity.

(6) 4 A person may not require a consumerConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) to waive his or her rights under this section or any other rights under law or refuse a consumerConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) access to goods or services for enforcing the protections under this section. Any such waiver, including, but not limited to, any mandatory dispute resolution provisions or contrary terms of use or service, is contrary to public policy and is void.

Section 501.003 is the operative core of the bill. Subsection (1) defines key terms, including a sweeping definition of surveillance pricing that captures both individualized algorithmic pricing using personal data (sensors, cameras, biometrics, cookies, device tracking) and broader dynamic pricing based on market demand, competitor prices, inventory, or customer behavior.

Subsection (2) flatly prohibits any person from engaging in surveillance pricing, with a carve-out for FCRA-governed credit decisions. Subsection (3) provides safe-harbor categories — cost-based price differences, publicly disclosed group discounts, opt-in loyalty programs, and Florida Insurance Code-compliant pricing — each subject to disclosure and uniform-application conditions, and a strict purpose limitation that any data collected for these programs may only be used to administer them.

Subsection (4) imposes a labeling obligation: anyone who knowingly advertises a surveillance-priced offer must include a verbatim warning that the price was set using the consumer's personal information. Subsections (5)–(6) establish enforcement (AG, state attorneys, and a private right of action with treble damages and disgorgement) and void any waiver of consumer rights, including mandatory arbitration clauses.

Compliance actions 4 items
1
Persons must not engage in surveillance pricingSurveillance pricing"Surveillance pricing" means offering or setting a personalized price for a good or service for a specific consumer or group of consumers based, in whole or in part, on covered information collected through any targeted pricing technologies, such as electronic or any other surveillance method. The term includes the use of technological methods, systems, or tools, including sensors, cameras, device tracking, biometric monitoring, cookies, or other forms of observation or data collection that are capable of gathering covered information about consumer behavior, characteristics, location, or other personal attributes, whether in physical or digital environments, including external or virtual attributes such as user hardware and payment methods. Surveillance pricing also includes dynamic pricing whereby a party engages in price fixing to adjust product prices in real time based on market demands, competitor prices, inventory levels, customer behavior, or other factors a person may use to determine or set prices for a product.Fla. Stat. § 501.003(1)(e) — offering, charging, or accepting payment of an increased price for goods or services where the price is personalized based, in whole or in part, on covered informationCovered information"Covered information" means aggregate personal information.Fla. Stat. § 501.003(1)(c) collected through targeted pricing technologies (including sensors, cameras, biometric monitoring, cookies, device tracking, hardware state, payment-method observation) or through real-time dynamic pricing keyed to customer behavior. Refusals to extend credit or enter transactions based on a consumerConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) report in accordance with the federal Fair Credit Reporting Act are exempt.
CP-01.11
2
Persons relying on a statutory safe harbor (cost-based pricing differences, opt-in mailing list/payment-method discounts, broadly defined group discounts for teachers/veterans/seniors/students, or affirmative-enrollment loyalty programs) must: (1) clearly and conspicuously disclose the eligibility criteria, available discounts, and earning conditions BEFORE collecting any covered informationCovered information"Covered information" means aggregate personal information.Fla. Stat. § 501.003(1)(c); (2) offer the discount uniformly to all consumersConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) meeting the disclosed criteria; and (3) use any covered informationCovered information"Covered information" means aggregate personal information.Fla. Stat. § 501.003(1)(c) collected solely to administer the specific discount, cost-based pricing, or loyalty program, and not for profiling, targeted advertising, or individualized price setting.
D-01.4
3
Persons who knowingly advertise, promote, label, or publish any statement, display, image, offer, or announcement of surveillance pricingSurveillance pricing"Surveillance pricing" means offering or setting a personalized price for a good or service for a specific consumer or group of consumers based, in whole or in part, on covered information collected through any targeted pricing technologies, such as electronic or any other surveillance method. The term includes the use of technological methods, systems, or tools, including sensors, cameras, device tracking, biometric monitoring, cookies, or other forms of observation or data collection that are capable of gathering covered information about consumer behavior, characteristics, location, or other personal attributes, whether in physical or digital environments, including external or virtual attributes such as user hardware and payment methods. Surveillance pricing also includes dynamic pricing whereby a party engages in price fixing to adjust product prices in real time based on market demands, competitor prices, inventory levels, customer behavior, or other factors a person may use to determine or set prices for a product.Fla. Stat. § 501.003(1)(e) must include with that material a clear and conspicuous disclosure stating verbatim: THIS PRICE WAS SET BY A SURVEILLANCE METHOD USING YOUR PERSONAL CONSUMERConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) INFORMATION.
CP-01.12
4
Persons must not require consumersConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) to waive their rights under § 501.003 or any other rights under law as a condition of accessing goods or services, and must not refuse consumersConsumer"Consumer" means an individual who obtains, maintains, uses, purchases, leases, or receives goods, services, real property, or personal property or the representative of such individual.Fla. Stat. § 501.003(1)(b) access to goods or services because they exercised those rights. Any such waiver — including mandatory dispute resolution provisions or contrary terms of use or service — is void as against public policy.
Section 3 (Effective Date)
Effective date

This act shall take effect July 1, 2026.

Standard effective-date provision. The bill would have taken effect July 1, 2026, but died in the Senate Commerce and Tourism Committee.

Passage Likelihood

Failed
Status Failed
Final action Died in Commerce and Tourism

Legislative History

2026-01-09 Filed
2026-01-16 Referred to Commerce and Tourism; Judiciary; Rules
2026-01-22 Introduced
2026-03-13 Died in Commerce and Tourism

Entry Last Reviewed

2026-05-09
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