The Rules Ledger

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Florida — Rules Tracker

No Florida statute requires buyer agreements — the duty comes from the NAR settlement and MLS rules. Florida Realtors forms, Stellar MLS policy, the merged South Florida MLS, DBPR licensing, and 2026 transaction law. Every entry is primary-sourced and carries its last-checked date: Nov 8, 2026 (Tracker v1). This page is the Florida slice of the full Tracker.

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FloridaIn force

FL-01 No Florida state law requires buyer agreements; the requirement is an NAR/MLS rule

Compensation & buyer agreements · Applies to: Florida Realtors / NAR members and MLS Participants working with buyers

Florida Realtors states expressly that there are no new Florida laws requiring buyer agreements. The written buyer agreement requirement, and the bar on placing compensation information in the MLS, come from the NAR settlement and NAR rule changes for members; the settlement does not change Florida brokerage relationship law. Compensation is fully negotiable and not set by law. (Contrast CA-01 and TX-01, where state law does require the agreement.)

Effective: NAR rule changes effective August 2024 (in force)

Source: https://www.floridarealtors.org/law-ethics/nar-settlement-faqs · Last checked: Nov 8, 2026 · Change log: CL-24

FloridaIn force

FL-02 Florida Realtors buyer agreement forms in force

Compensation & buyer agreements / forms · Applies to: Florida Realtors members working with buyers

Florida Realtors offers three buyer agreement forms: a Property Pre-Touring Agreement (pre-showing disclosures and basic compensation information), a Showing Agreement (compensation based on showing specified properties), and an Exclusive Buyer Brokerage Agreement (broker acts as the buyer's agent and is paid by the buyer). There are four versions of the Exclusive Buyer Brokerage Agreement for Florida's distinct brokerage relationships.

Effective: Exclusive Buyer Brokerage Agreement and Showing Agreement revisions posted July 9, 2024; most recent revisions via Form Simplicity (see also FL-03)

Source: https://www.floridarealtors.org/law-ethics/nar-settlement-faqs · Last checked: Nov 8, 2026 · Change log: CL-25

FloridaJan 5, 2026

FL-03 January 5, 2026 forms release: buyer brokerage and listing forms updated for Multiple Listing Options

Forms in force · Applies to: Florida Realtors members

The Exclusive Buyer Brokerage Agreement forms (EBBA-8nr, EBBA-8sa, EBBA-8tb, EBBA-8tn) were updated to add an audio/visual acknowledgment for the buyer and remove broker credit-check language; the Showing Agreement (SA-5) removed the same language. Listing forms (including EBLA-13, LSLA-5, VLLA-6, ERL-14, ERS-10cp) were updated to incorporate NAR's MLS Policy on Multiple Listing Options for Sellers. (No October 2026 Florida forms release was found on the primary source.)

Effective: January 5, 2026 (in force)

Source: https://www.floridarealtors.org/news-media/news-articles/2026/01/florida-realtors-rolls-out-new-updated-forms · Last checked: Nov 8, 2026 · Change log: CL-26

FloridaJan 5, 2026

FL-04 New combined compensation forms CASSB-1 and MCSB-1 replace four retired forms

Forms in force · Applies to: Florida Realtors members documenting seller or seller's broker compensation to a buyer's broker

A new combined Compensation Agreement — Seller or Seller's Broker to Buyer's Broker (CASSB-1) replaces the two separate forms CABB-1 and CASB-1, and a new combined Modification form (MCSB-1) replaces MCA-1 and MCA-2. The retired forms were removed from Form Simplicity and are no longer available for use; members should use the replacements for all new transactions.

Effective: January 5, 2026 (in force)

Source: https://www.floridarealtors.org/news-media/news-articles/2026/01/florida-realtors-rolls-out-new-updated-forms · Last checked: Nov 8, 2026 · Change log: CL-27

FloridaFeb 27, 2026

FL-05 FR/Bar and FR/Bar AS IS contracts updated for the FinCEN rule (§ 18.I.(iii), forms 7x / ASIS-7x)

Forms in force · Applies to: Florida residential transactions using the Florida Realtors/Florida Bar contracts, especially non-financed transfers to entities or trusts

Section 18.I.(iii) of both the Residential Contract for Sale and Purchase (FloridaRealtors/FloridaBar-7x) and the AS IS Residential Contract (FloridaRealtors/FloridaBar-ASIS-7x) was updated to align with FinCEN's Real Estate Report requirement for certain non-financed residential transfers to entities or trusts. Addendum EE (Qualifying Improvements Rider, formerly the PACE rider) was also revised to reflect amendments to § 163.081, Florida Statutes. (The exact "Rev. 2/26" footer date is not primary-verified.) Note (second pass): the underlying federal rule was vacated on March 19, 2026 — see NAT-05 / CL-74; the contract language remains in the forms but currently attaches to no live federal duty.

Effective: Updated forms available on Form Simplicity from February 27, 2026; the federal FinCEN Real Estate Report rule began March 1, 2026

Source: https://www.floridarealtors.org/news-media/news-articles/2026/02/fincen-rule-rider-updates-take-effect · Last checked: Nov 8, 2026 · Change log: CL-28

FloridaIn force

FL-06 Stellar MLS Clear Cooperation (Policy 8.0) and Delayed Distribution

MLS policy · Applies to: Stellar MLS Participants, Florida

Within one business day of marketing a property to the public, the listing broker must enter the listing in Stellar MLS for cooperation; a violation of Policy 8.0 is a Level 3 severe fine — $500 first offense, $2,500 second, up to $15,000 with possible suspension after a hearing for further offenses. Under Delayed Distribution, the listing must still be entered within five business days of the contract date or one business day of public marketing, but distribution to cooperating brokers' IDX and syndication and to third-party portals is delayed five calendar days while the listing remains searchable by Stellar agents and available on VOW and OneHome.

Effective: Page last updated November 2026; Delayed Distribution adopted September 2025 under NAR's Multiple Listing Options for Sellers policy

Source: https://www.stellarmls.com/DelayedDistribution · Last checked: Nov 8, 2026 · Change log: CL-29

FloridaMay 11, 2026

FL-07 MIAMI MLS and BeachesMLS merge into a single association and MLS

MLS policy · Applies to: MIAMI Association of Realtors and Broward, Palm Beaches & St. Lucie Realtors (RWorld) members; MIAMI MLS and BeachesMLS subscribers, South Florida

MIAMI and RWorld, with MIAMI MLS and BeachesMLS, merged into a single association and MLS of about 93,000 members, proposed to be named Miami and South Florida Realtors pending NAR approval. Members receive one complete South Florida MLS dataset, free IDX feeds covering both MLSs' listings, and a choice of Flexmls and Matrix platforms. (No standalone 2026 cooperation-rule text for either legacy MLS was primary-verified.)

Effective: Merger closed May 11, 2026 (in force)

Source: https://www.miamirealtors.com/2026/05/12/miami-realtors-and-rworld-complete-historic-merger-creating-the-worlds-largest-local-realtor-association/ - **Monitoring status: HELD** (CL-54) — Miami MLS and BeachesMLS have no confirmed public rules surface; this entry is sourced from the association's own output, which is also the only ongoing coverage route for these MLSs. Do not claim direct MLS monitoring for Miami MLS or BeachesMLS.) · Last checked: Nov 8, 2026 · Change log: CL-30, CL-54

FloridaOct 1, 2026

FL-08 HB 1293 (Ch. 2026-143): rental-application fraud is a third-degree felony; fraudulent entry is noncurable

State law affecting transactions · Applies to: Rental applicants and occupants in Florida, and landlords (and their PM/leasing agents) screening or removing them

CS/HB 1293 creates § 817.537, Florida Statutes: making a false statement of identity in writing on a rental application, or submitting forged, fictitious or counterfeit documents (including a driver license, ID card, bank statement or paystub), or impersonating another person, is a third-degree felony (punishable under §§ 775.082 / 775.083 / 775.084). The act also amends § 83.56(2)(a): entry gained by fraud is noncurable noncompliance — the occupant has 7 days to vacate — "regardless of whether criminal proceedings have commenced." Leasing and PM agents should update screening and fraud-escalation scripts accordingly. Expanded in the second pass from the enrolled text (CL-63); signed June 12, 2026 as Chapter 2026-143, Laws of Florida.

Effective: October 1, 2026 (in force)

Source: https://www.flsenate.gov/Session/Bill/2026/1293/BillText/er/PDF (enrolled text) · https://laws.flrules.org/2026/143 (Chapter 2026-143) · https://www.floridarealtors.org/advocacy/2026-legislative-final-report · Last checked: Nov 8, 2026 · Change log: CL-31, CL-63

FloridaIn force

FL-09 License renewal: 14 hours of CE; March 31 / September 30 expirations

Licensing & CE · Applies to: Florida real estate sales associates and brokers (DBPR / FREC)

After the initial renewal, active licensees must complete 14 hours of continuing education every renewal cycle and pay the renewal fee by midnight Eastern on the expiration date (March 31 or September 30). The initial renewal is different: 45 hours of post-license education for sales associates and 60 hours for brokers, and failure to complete it by the first expiration date makes the license null and void. DBPR states it will not grant extensions for continuing education.

Effective: In force (DBPR current guidance, including September 2026 licensee notices)

Source: https://www2.myfloridalicense.com/real-estate-commission/ · Last checked: Nov 8, 2026 · Change log: CL-32

FloridaNo change

FL-10 FREC and CE structure maintained: HB 607 abolition did not pass

Licensing & CE (status — no change) · Applies to: All Florida real estate and appraiser licensees

For the second year in a row, legislation (HB 607) that would have abolished the Florida Real Estate Commission and the Florida Real Estate Appraisal Board, replaced post-licensure and continuing education with a DBPR email summarizing legislative changes, and compromised mutual recognition did not pass. Florida's existing regulatory, post-licensure and CE structure therefore remains in place.

Effective: 2026 legislative session outcome (in force position)

Source: https://www.floridarealtors.org/advocacy/2026-legislative-final-report · Last checked: Nov 8, 2026 · Change log: CL-33

FloridaJul 1, 2026

FL-11 HB 1389: Live Local Act update

State law affecting transactions · Applies to: Affordable and Missing Middle housing developments, school district and religious institution lands, local governments, Florida

The fourth iteration of the 2023 Live Local Act adds certain school district and religious institution lands to the Live Local land-use mandates and raises the threshold for local governments to opt out of the Missing Middle tax exemption. Owners issued a building permit on or after July 1, 2026 for a Missing Middle development within four years before a local opt-out ordinance takes effect may still apply for and receive the exemption; the bill also prohibits discrimination against affordable housing in land-use decisions. An accessory dwelling unit mandate for single-family areas was amended out and did not pass.

Effective: July 1, 2026 (in force)

Source: https://www.floridarealtors.org/advocacy/2026-legislative-final-report · Last checked: Nov 8, 2026 · Change log: CL-34 ---

Pipeline — announced, not yet in forceComing January 1, 2027 in Florida

Primary-verified as announced; these move into the main list once they take effect and are re-verified.

FloridaJan 1, 2027

CLU-05 FL / Jan 1: Amendment 3 (CS/HJR 1-F) property tax relief — APPROVED by voters

· Applies to: Florida homestead and non-homestead property owners

Florida voters approved Amendment 3 on November 3, 2026 — Yes 61.98% (4,918,979 votes), above the required 60% threshold (unofficial results, 95% of precincts reporting as of November 6, 2026; certification to be confirmed in the January pass). Substance: the homestead exemption for non-school levies rises to $150,000 from January 1, 2027 and $250,000 from January 1, 2028 (the school-levy $25,000 exemption is unchanged), and the non-homestead assessment cap drops from 10% to 5% from January 1, 2027. The item stays in the cluster radar until the January verification pass confirms certification.

Effective: January 1, 2027 (voter approval confirmed in the second pass, CL-72)

Source: https://ballotpedia.org/Florida_Amendment_3,_Homestead_Tax_Exemptions,_Property_Assessments,_and_Spending_Restrictions_Amendment_(2026) · https://www.flsenate.gov/Session/Bill/2026F/1F/BillText/er/PDF (enrolled HJR) · https://www.floridarealtors.org/advocacy/2026-legislative-final-report · Last checked: Nov 8, 2026 · Change log: CL-50, CL-72

The Rules Ledger is independent early warning, not legal or brokerage advice — confirm with your broker. Confirm the current text in the primary source before acting. Not affiliated with NAR, any MLS or any state association.

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