# Financing your own sales in Florida: the OFR license, rate caps and repossession rules > Florida buy here pay here dealers need OFR's $175 installment seller license before the first contract. Finance charges cap at $10 to $17 per $100 a year. - Canonical URL: https://www.leftlanesoftware.com/blog/florida-in-house-financing-ofr-license - Language: en-US - Spanish version (Español): https://www.leftlanesoftware.com/blog/financiamiento-propio-en-florida-licencia-ofr - State: Florida - Topic: In-house financing - Last verified: 2026-11-09 _Last verified: November 9, 2026. Every rule links to its official source._ To finance your own sales in Florida (buy here pay here), you need a second license: the [Motor Vehicle Retail Installment Seller license](https://www.flofr.gov/divisions-offices/division-of-consumer-finance/motor-vehicle-retail-installment-seller) from the Office of Financial Regulation (OFR). It costs $175, and you must hold it before you sign your first retail installment contract, the agreement that lets a buyer pay you over time. Finance charges are capped at [$10 to $17 per $100 per year](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.08.html). > **OFR renewal deadline: December 31, 2026.** Each active license "shall be renewed for the biennial period beginning January 1 of each odd-numbered year," says the [rule text OFR proposed in 2007](https://flrules.org/gateway/notice_Files.asp?ID=4411577), and an unrenewed license goes inactive. OFR had posted no renewal alert for this cycle by November 9, 2026. Confirm with OFR at (850) 487-9687, including whether a license issued late in 2026 must renew now. ## Florida in-house financing at a glance | What | The rule | Source | | ----------------------- | ---------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------ | | License fee | $175 for the main office and each branch; $175 to renew | [Florida Statutes 520.03](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.03.html) | | Renewal | Every 2 years; next deadline December 31, 2026 | [Rule 69V-85.004, as proposed](https://flrules.org/gateway/notice_Files.asp?ID=4411577) | | Finance charge ceiling | $10, $11, $15 or $17 per $100 per year, by vehicle class | [Florida Statutes 520.08](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.08.html) | | Late charge | Up to 5 percent of an installment at least 10 days late, if the contract provides for it | [Florida Statutes 520.07](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.07.html) | | Sales tax | Due in full at the sale | [Florida Statutes 212.06](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0200-0299/0212/Sections/0212.06.html) | | Documentary stamp tax | 35 cents per $100, up to $2,450 | [Florida Statutes 201.08](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0200-0299/0201/Sections/0201.08.html) | | Repossession tax credit | Within 12 months after the month of repossession | [Florida Statutes 212.17](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0200-0299/0212/Sections/0212.17.html) | ## Do you need a license to finance your own sales in Florida? Yes. Under [section 520.03](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.03.html), a person may not engage in the business of a motor vehicle retail installment seller, or operate a branch, without an OFR license. Banks, trust companies, savings and loan associations and credit unions are exempt. It comes on top of the [dealer license](/blog/florida-dealer-license-step-by-step) from the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). The whole path is in [How to start a used car dealership in Florida](/blog/how-to-start-a-used-car-dealership-in-florida). Financing without it is [a first-degree misdemeanor](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.12.html): up to [1 year in jail](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0775/Sections/0775.082.html) and a fine of up to [$1,000](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0775/Sections/0775.083.html). For a willful violation, the buyer may also recover the finance charge and delinquency fees, plus attorney's fees and costs. ## What does the OFR license cost, and how do you apply? The fee is $175 and is not refundable. You apply online through OFR's REAL system on [Form OFR-520-01](https://www.flofr.gov/docs/default-source/documents/forms/ofr-520-01---application-for-license-under-chapter-520-florida-statutes.pdf?sfvrsn=24bfa75_1). - **Locations.** One license covers your locations in one county. A location in another county is a branch, on Form OFR-520-02 with its own $175 fee. - **What it asks for.** Formation documents, an organization chart, officers and control persons with biographical summaries, criminal and regulatory history, and a Florida agent for service of process (who accepts legal papers for you). - **What it does not ask for.** Neither section 520.03 nor the form mentions fingerprints, a surety bond, a net worth minimum or financial statements. - **Afterward.** The license cannot be transferred. Report changes to your application information [within 30 days](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.999.html). ## When is the next OFR renewal deadline? December 31, 2026, for the 2-year period that begins January 1, 2027, with a $175 fee. That cycle is from OFR's 2007 proposed rule; the adopted rule under [Chapter 69V-85](https://www.flrules.org/gateway/ChapterHome.asp?Chapter=69V-85) could not be read. Ask OFR whether a license issued late in 2026 must renew now. OFR's [December 2, 2024 alert](http://www.flofr.gov/news/industry-alerts/details/industry-alert--renew-your-license-today%21) set December 31, 2024 for the last cycle and warned that with an inactive or expired license "you are prohibited from conducting business." You can reactivate within 6 months for the renewal fee plus an equal reactivation fee, $350 in all. After that, the license expires. ## What is the maximum finance charge in Florida? $10, $11, $15 or $17 per $100 of the amount financed per year, by vehicle class. [Section 520.08](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.08.html) sets the classes by model year, and the ceilings exclude insurance. | Class | Vehicle | Ceiling per $100 per year | For a sale in 2026 (computed) | | ----- | -------------------------------------------------------------------------------- | ------------------------- | ----------------------------- | | 1 | New, model year not earlier than the year of sale | $10 | New, 2026 or later model | | 2 | Other new. Used, model year the same as the year of sale or up to 2 years before | $11 | Used, 2024 to 2026 model | | 3 | Used, model year up to 4 years before | $15 | Used 2022 or 2023 | | 4 | Used, model year more than 4 years before | $17 | Used 2021 or older | The last column moves up a model year every January 1. - **Add-on, not APR.** The charge is "computed on the amount financed." The $17 is not a 17 percent annual percentage rate (APR). A $25 minimum charge is allowed. - **Simple interest.** [Section 520.085](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.085.html) allows interest on the unpaid balance at an equivalent rate, a $15 deferment fee if the contract provides for one, and an acquisition charge of up to $75 if paid in full within 6 months. - **Late charge.** If the contract provides for it, up to 5 percent of each installment at least 10 days in default, with no dollar cap ([section 520.07](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.07.html)). Reasonable attorney's fees and court costs are allowed after referral to an outside attorney. - **Early payoff.** A buyer may [pay in full at any time](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.09.html). On a precomputed contract (charge figured up front), the buyer gets a refund credit after a $25 acquisition cost. [LeftLane's deal desk](https://sandbox.leftlanesoftware.com/signup) computes the most you may charge on each deal under the state's cap. ## What must a Florida retail installment contract contain? It must be in writing, signed by buyer and seller, and complete before the buyer signs. Section 520.07 also requires: - **Type and notice.** At least 6-point type, and the statute's notice not to sign before reading or with blank spaces, and that the buyer is entitled to an exact copy. - **The numbers.** Amount financed, finance charge, total of payments, total sale price, and the number, amount and first date of payments, plus a separate itemization of the amount financed. A contract that complies with the federal Truth in Lending Act meets these rules except the itemization. - **No blanks.** Except the vehicle's identifying numbers, and the first due date if the vehicle is not delivered at signing. - **Liability insurance.** If coverage for injury and damage to others is not included, the contract must say so. - **The buyer's copy.** Deliver or mail a signed copy. Until then, a buyer who has not received the vehicle may cancel and get back payments and trade-in. - **Receipts.** A written receipt for each cash payment, and a statement of account on request. - **Insurance you sell.** No more than the rates filed with the Office of Insurance Regulation, the policy to the buyer within 30 days, and the buyer free to buy from any agent and company. - **No waivers.** A waiver of the act's protections is [void](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.13.html). The cash price may include accessories, services related to the sale, service contracts, and license, title and registration taxes and fees, but no finance charge ([section 520.02](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.02.html)). Any other added fee, beyond that section and [Rule 69V-50.001](https://www.flrules.org/gateway/ChapterHome.asp?Chapter=69V-50), is an unfair or deceptive act under [section 501.976](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0501/Sections/0501.976.html). ## What taxes are due on a financed sale in Florida? All sales tax is due at the sale, and the contract owes documentary stamp tax. - **Sales tax.** The full tax on an installment sale is due "at the moment of the transaction in the same manner as on a cash sale" ([section 212.06](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0200-0299/0212/Sections/0212.06.html)). The [6 percent state tax](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0200-0299/0212/Sections/0212.05.html) and the county surtax are in [After the sale in Florida](/blog/florida-dealer-after-the-sale-and-inspections). - **Documentary stamp tax.** Written obligations to pay money signed in Florida owe [35 cents per $100, or fraction of $100](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0200-0299/0201/Sections/0201.08.html), up to $2,450. The Department of Revenue [lists retail installment sale contracts](https://floridarevenue.com/Forms_library/current/gt800014.pdf) as taxable. A $10,000 obligation owes $35.00 (computed). - **Stamp tax returns.** At 5 or more taxable transactions a month, you must register and file Form DR-225 by the 20th for the month before. With fewer, use Form DR-228. - **Repossession credit.** [Section 212.17](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0200-0299/0212/Sections/0212.17.html) allows a credit or refund of the tax paid on the unpaid balance, within 12 months after the month of repossession. List it on [Form DR-95B](https://floridarevenue.com/Forms_library/current/dr95b.pdf), claim it on your DR-15 return or as a refund on Form DR-26S, and keep the schedule. Reselling the car is a taxable sale. - **Bad debts.** The same section covers worthless accounts, within 12 months after the month charged off for federal income tax purposes. Report later collections on your next return. If you sold or assigned the contract, even to your own finance company, ask a tax adviser who may claim these credits. ## What are the rules on GAP, value protection and service contracts? Both are optional, under rules that took effect October 1, 2024 ([chapter 2024-142](http://laws.flrules.org/2024/142)). Guaranteed asset protection (GAP) covers some or all of what a buyer still owes after a total loss. | | GAP, [section 520.07](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.07.html) | Vehicle value protection, [sections 520.151 to 520.157](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/0520PARTIContentsIndex.html) | | ------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | Condition of credit | May not be required "as a condition for making the loan" | Credit may not be conditioned on the purchase | | Price | Cost may not exceed the indebtedness | Stated separately, and not a finance charge | | Refunds | Unearned price refunded on termination unless the contract says otherwise; the buyer must request it within 90 days; administrative fees of $75 at most | Free-look period (time to cancel) of at least 30 days; administrative fee on a refund of $75 at most | | Also | Plain-language disclosure that it is optional; a copy to the buyer; not insurance under the Florida Insurance Code | Violations are noncriminal: up to $500 each, $10,000 in aggregate | OFR does not license warranties. [Its FAQ](https://www.flofr.gov/divisions-offices/division-of-consumer-finance/frequently-asked-questions) sends those questions to the Office of Insurance Regulation, and service agreement companies are regulated under [chapter 634, Part I](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0634/0634PARTIContentsIndex.html). ## How do liens and titles work when you hold the note? Plan on electronic liens. "Lienholders shall electronically transmit liens and lien satisfactions to the department," says [section 319.27](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0319/Sections/0319.27.html), and FLHSMV's [Electronic Lien and Title page](https://www.flhsmv.gov/motor-vehicles-tags-titles/dealers-installers-manufacturers-distributors-importers/authorized-service-providers/electronic-lien-and-titles/) says it has been mandatory for lenders since January 1, 2013. Lenders contract with a listed provider and file form 82150. The exemption is for lienholders the department finds are "not normally engaged in the business or practice of financing vehicles," so a dealer financing its own sales should plan on electronic liens. At payoff, you must show the lien satisfied or released and give the payor evidence. Under [section 319.24](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0319/Sections/0319.24.html), the lienholder's deadline is 10 working days after the final payment. ## What are Florida's repossession rules? After default, you as the secured party may take the vehicle "without judicial process, if it proceeds without breach of the peace" ([section 679.609](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/Sections/0679.609.html)). The section does not define a breach of the peace. - **Who does it.** Repossessing for pay is licensed under [chapter 493](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0400-0499/0493/Sections/0493.6401.html), and a first unlicensed offense is [a first-degree misdemeanor](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0400-0499/0493/Sections/0493.6120.html). Whether your own employees may repossess without that license is a question for Florida counsel. Use a licensed recovery agency until you know. - **Notice before resale.** Send the buyer and any secondary obligor, such as a cosigner, "a reasonable signed notification of disposition" ([section 679.611](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/Sections/0679.611.html)). For a car bought for personal use, it must state any deficiency liability and a phone number for the redemption amount. [Section 679.614](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/Sections/0679.614.html) prints a safe-harbor form. These sections set no number of days for a consumer sale. - **Other lienholders.** Any later lienholder named on the last title must get notice by certified mail at least 5 days before the sale ([section 319.28](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0319/Sections/0319.28.html)). Violating that paragraph is a third-degree felony. Your affidavit as the repossessing party is "satisfactory proof of ownership and right of possession." - **Redemption.** Until you sell or contract to sell, the buyer may redeem by paying the whole debt plus reasonable expenses and attorney's fees ([section 679.623](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/Sections/0679.623.html)), not only the missed payments. - **Surplus and deficiency.** You must pay the buyer any surplus, and the buyer owes any deficiency, what is still owed after the sale ([section 679.615](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/Sections/0679.615.html)). A sale to yourself or a related party well below the normal price range is recalculated. For a car bought for personal use, explain the math in writing with or before your first written deficiency demand, and within 14 days after a request ([section 679.616](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/Sections/0679.616.html)). Whether a buyer is owed notice or a chance to catch up before you repossess, and whether you may install a GPS tracker or starter-interrupt device, are questions for Florida counsel. ## Who examines you, and what records do you keep? OFR examines licensees and bills you by the hour. Keep finance records at your principal place of business for at least 2 years after the final entry ([section 520.997](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.997.html)). FLHSMV's 5-year record rule still covers the deal file. - **How often.** Examinations "shall not be made more often than once during any 12-month period" unless OFR has good reason to believe you are not complying ([section 520.996](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.996.html)). A written complaint lets OFR inspect the related records. - **What they check.** OFR's [compliance tips](https://www.flofr.gov/divisions-offices/division-of-consumer-finance/finance-compliance-tips) name the buyer's exact copy of the contract, receipts for cash payments, and satisfaction of the lien at payoff. - **Sanctions.** [Section 520.995](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.995.html) lets OFR revoke or suspend the license and fine up to $1,000 for each act. Grounds include fraud, misrepresentation or gross negligence even without harm to the buyer, willful illegal or excessive charges, misleading advertising, failing to keep records and refusing inspection. OFR can also order refunds of overcharges and issue [cease and desist orders](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.994.html). ## What if your own finance company buys the contracts? It needs its own Sales Finance Company license under [section 520.52](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.52.html), because it is in the business of buying retail installment contracts from sellers. The fee is $175 for each office, with a $175 renewal on the same 2-year cycle. Your dealership still needs the seller license. Pledging contracts to secure a loan is not purchasing them. ## What trips people up - **Financing on the dealer license alone.** That is a first-degree misdemeanor. - **Missing December 31.** An inactive license cannot conduct business, and reactivating costs $350. - **Reading the ceiling as an APR.** $17 per $100 per year is an add-on charge, and OFR can order refunds. - **Requiring an add-on or your insurance.** GAP and value protection may not be a condition of credit. A pattern of requiring your physical damage insurance or a specific lender is a ground for action against your [dealer license](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0320/Sections/0320.27.html). - **Waiting to remit sales tax.** The full tax is due at the sale. - **Skipping repossession notices.** Skipping a later lienholder's certified-mail notice is a third-degree felony. ## What changed recently - **2025.** [Chapter 2025-92](http://laws.flrules.org/2025/92) made the notice before selling a repossessed vehicle a "signed" notification. - **October 1, 2024.** Chapter 2024-142 changed the GAP refund rules and created the Florida Vehicle Value Protection Agreements Act. The finance charge ceilings have not changed since 1997. ## Frequently asked questions ### What license do I need to offer retail installments for the sale of a motor vehicle? The Motor Vehicle Retail Installment Seller license from Florida's Office of Financial Regulation, in addition to the FLHSMV dealer license. The nonrefundable application fee is $175 for your principal place of business and for each branch in another county. Hold it before your first installment sale. ### Do I need both the installment seller license and the sales finance license? Only if you do both things. The seller license covers financing your own customers. [OFR's FAQ](https://www.flofr.gov/divisions-offices/division-of-consumer-finance/frequently-asked-questions) says: "If your company purchases automobile finance contracts from other car dealerships, the Sales Finance license will be required." Each license has a $175 application fee and renews every 2 years. ### What license do I need to offer warranties for automobiles in Florida? Not an OFR license. OFR's FAQ sends warranty licensing questions to the Florida Office of Insurance Regulation. Motor vehicle service agreement companies are regulated under chapter 634, Part I of the Florida Statutes, which has its own license requirement and a section on licensing and appointing salespeople. ### When do I renew my Florida installment seller license? December 31, 2026 is the next deadline. Licenses renew for the 2-year period that begins January 1 of each odd-numbered year, the fee is $175, and an unrenewed license goes inactive. If your license is issued late in 2026, ask OFR whether it must be renewed right away. ### What is the maximum interest rate a Florida dealer can charge? Florida caps the finance charge, not the APR: $10, $11, $15 or $17 per $100 financed per year, by vehicle class. A used vehicle whose model year is more than 4 years before the year of sale is class 4. Licensees may exceed the general usury rates up to these limits. ## Your next step LeftLane keeps the contract, the signatures, the payments and the reminders in one system. Deal forms can be signed electronically on a computer or a phone, card and ACH payments post to the customer's account on their own, and automatic texts with a payment link go out on the due date and after a missed payment. [Start a LeftLane trial](https://sandbox.leftlanesoftware.com/signup), and a real person will help you set it up at 512-222-9549. ## Sources - OFR: [installment seller license](https://www.flofr.gov/divisions-offices/division-of-consumer-finance/motor-vehicle-retail-installment-seller), [Form OFR-520-01](https://www.flofr.gov/docs/default-source/documents/forms/ofr-520-01---application-for-license-under-chapter-520-florida-statutes.pdf?sfvrsn=24bfa75_1), [FAQ](https://www.flofr.gov/divisions-offices/division-of-consumer-finance/frequently-asked-questions), [compliance tips](https://www.flofr.gov/divisions-offices/division-of-consumer-finance/finance-compliance-tips) and [renewal alert](http://www.flofr.gov/news/industry-alerts/details/industry-alert--renew-your-license-today%21) - Florida rules: [Rule 69V-85.004, proposed](https://flrules.org/gateway/notice_Files.asp?ID=4411577), [Chapter 69V-85](https://www.flrules.org/gateway/ChapterHome.asp?Chapter=69V-85) and [Chapter 69V-50](https://www.flrules.org/gateway/ChapterHome.asp?Chapter=69V-50) - Chapter 520: [520.02](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.02.html), [520.03](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.03.html), [520.07](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.07.html), [520.08](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.08.html), [520.085](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.085.html), [520.09](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.09.html), [520.12](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.12.html), [520.13](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.13.html), [Part I](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/0520PARTIContentsIndex.html), [520.52](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.52.html), [520.994](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.994.html), [520.995](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.995.html), [520.996](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.996.html), [520.997](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.997.html) and [520.999](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0520/Sections/0520.999.html) - [Laws of Florida, chapter 2024-142](http://laws.flrules.org/2024/142) and [chapter 2025-92](http://laws.flrules.org/2025/92) - Florida Statutes: [chapter 634 Part I](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0634/0634PARTIContentsIndex.html), [501.976](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0501/Sections/0501.976.html), [320.27](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0320/Sections/0320.27.html), [775.082](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0775/Sections/0775.082.html) and [775.083](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0700-0799/0775/Sections/0775.083.html) - Tax statutes: [201.08](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0200-0299/0201/Sections/0201.08.html), [212.05](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0200-0299/0212/Sections/0212.05.html), [212.06](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0200-0299/0212/Sections/0212.06.html) and [212.17](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0200-0299/0212/Sections/0212.17.html) - Department of Revenue: [Form DR-95B](https://floridarevenue.com/Forms_library/current/dr95b.pdf) and [documentary stamp tax brochure](https://floridarevenue.com/Forms_library/current/gt800014.pdf) - Liens: [Florida Statutes 319.24](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0319/Sections/0319.24.html), [319.27](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0319/Sections/0319.27.html) and [319.28](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0319/Sections/0319.28.html), and [FLHSMV: Electronic Lien and Title](https://www.flhsmv.gov/motor-vehicles-tags-titles/dealers-installers-manufacturers-distributors-importers/authorized-service-providers/electronic-lien-and-titles/) - Repossession: [679.609](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/Sections/0679.609.html), [679.611](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/Sections/0679.611.html), [679.614](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/Sections/0679.614.html), [679.615](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/Sections/0679.615.html), [679.616](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/Sections/0679.616.html), [679.623](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0679/Sections/0679.623.html), [493.6401](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0400-0499/0493/Sections/0493.6401.html) and [493.6120](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0400-0499/0493/Sections/0493.6120.html) _This guide is general information for dealers, not legal advice. Rules and fees change. Confirm with the agency or a licensed attorney in your state before you act._