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PENALTY GUIDELINES FOR INSURANCE REPRESENTATIVES
69B-231.010 Purpose
69B-231.020 Scope
69B-231.030 Definitions
69B-231.040 Calculating Penalty
69B-231.070 Prosecutorial Discretion
69B-231.080 Penalties for Violations of Section 626.611, F.S.
69B-231.090 Penalties for Violations of Section 626.621, F.S.
69B-231.100 Penalties for Violations of Sections 626.621(6), 626.844(5), F.S.
69B-231.105 Penalties for Violations of Section 626.8437, F.S.
69B-231.106 Penalties for Violations of Section 626.844, F.S.
69B-231.110 Penalties for Violations of Other Specific Provisions of the Florida Insurance Code
69B-231.115 Penalties for Violations of Section 626.9957, F.S.
69B-231.120 Penalties for Violations of Other Florida Insurance Code Provisions
69B-231.130 Penalties for Violation of Department Rules (Repealed)
69B-231.140 Penalties for Violations of Department Order
69B-231.150 Criminal Proceedings
69B-231.160 Aggravating/Mitigating Factors
69B-231.010 Purpose.
The purpose of this rule chapter is to implement the Departments duty under sections 624.307(1), 626.207(8), and 626.9954, F.S., to enforce sections 626.611, 626.621, 626.631, 626.641, 626.681, 626.691, 626.8437, 626.844, 626.8443, and 626.9954, F.S., by establishing standards for penalties described in those statutory sections, and interpreting provisions in those sections as they relate to penalties imposed upon licensees specified in rule 69B-231.020, F.A.C.
Rulemaking Authority 624.308(1), 626.207(8), 626.9957(12), 626.9958 FS. Law Implemented 624.307(1), 624.308, 626.207, 626.9954, 626.9957 FS. HistoryNew 7-13-93, Amended 9-23-02, Formerly 4-231.010, Amended 8-15-06, 9-10-14, 1-30-19.
69B-231.020 Scope.
This rule chapter shall apply to all resident and nonresident insurance agents, title insurance agents and agencies, surplus lines agents, managing general agents, customer representatives, adjusters, navigators and service representatives licensed or appointed under chapter 626, F.S., who are subject to discipline under sections 626.611, 626.621, 626.8437, 626.844, and 626.9957, F.S.
Rulemaking Authority 624.308(1), 626.207(8), 626.9957(12), 626.9958 FS. Law Implemented 624.307(1), 624.308, 626.207, 626.611, 626.621, 626.8437, 626.844, 626.9957 FS. HistoryNew 7-13-93, Amended 8-15-00, 9-23-02, Formerly 4-231.020, Amended 8-15-06, 9-10-14, 9-13-15, 1-30-19.
69B-231.030 Definitions.
The following definitions shall apply for purposes of this rule chapter.
(1) Administrative complaint means a charging document filed by the Department against a licensee.
(2) Administrative actions means the factual allegations with citations to violations of the Florida Insurance Code, Department rules, or a Department order grouped together in one or more counts.
(3) Count means a single allegation or multiple allegations relating to a single transaction or occurrence which, if true, would constitute a violation of one or more provisions of the Florida Insurance Code.
(4) Convicted means adjudicated guilty by a court.
(5) Department means the Florida Department of Financial Services.
(6) Final penalty means the penalty imposed on a licensee by the Department.
(7) License shall have the meaning set forth in subsection 120.52(10), F.S., which includes registrations.
(8) Licensee means one who holds a license.
(9) Penalty per count means the penalty to be assessed for a single count and is the maximum stated penalty for a proven violation.
(10) Stated penalty means the penalty for violations set forth in Rules 69B-231.080 through 69B-231.150, F.A.C.
(11) Total penalty means the sum of all maximum stated penalties for each count.
Rulemaking Authority 624.308(1), 626.9957(12), 626.9958 FS. Law Implemented 624.307(1), 624.308, 626.207, 626.611, 626.621, 626.9957 FS. HistoryNew 7-13-93, Amended 9-23-02, Formerly 4-231.030, Amended 8-15-06, 8-12-10, 9-10-14, 1-30-19.
69B-231.040 Calculating Penalty.
(1) Penalty Per Count.
(a) The Department is authorized to find that multiple grounds exist under sections 626.611, 626.621, 626.8437, 626.844, and 626.9957, F.S., to initiate disciplinary action against the licensee based upon a single count in an administrative complaint and based upon a single act of misconduct by a licensee. However, for the purpose of this rule chapter, only the violation specifying the maximum stated penalty will be considered for that count. The maximum stated penalty established for each count is referred to as the penalty per count.
(b) The requirement for a single maximum stated penalty for each count in an administrative complaint shall be applicable regardless of the number or nature of the violations established in a single count of an administrative complaint.
(2) Total Penalty. Each penalty per count shall be added together and the sum shall be referred to as the total penalty.
(3) Final Penalty. The final penalty imposed against a licensee under these rules shall be the total penalty, as adjusted to take into consideration any aggravating or mitigating factors set forth in Rule 69B-231.160, F.A.C. If the licensee is a title insurance agent or agency, in the event the final penalty is a suspension for a duration that exceeds twelve (12) months, the final penalty shall be revocation. For all other licensees, in the event the final penalty is a suspension for a duration that exceeds twenty-four (24) months, the final penalty shall be revocation.
Rulemaking Authority 624.308(1), 626.9957(12), 626.9958 FS. Law Implemented 624.307(1), 624.308, 626.207, 626.611, 626.621, 626.641, 626.681, 626.691, 626.8437, 626.844, 626.8443, 626.9957 FS. HistoryNew 7-13-93, Formerly 4-231.040, Amended 8-15-06, 9-10-14, 1-30-19.
69B-231.070 Prosecutorial Discretion.
(1) Letter of Guidance. Every violation of the Florida Insurance Code, Department rules, or an order of the Department will not necessarily result in the imposition of disciplinary action against the licensee. The Department is authorized to close all or part of an investigation by issuing a letter of guidance or caution to the licensee, if warranted upon consideration of the factors set forth in subsection (1) of Rule 69B-231.160, F.A.C.
(2) Stipulated Disposition. The provisions of this rule chapter are not intended and shall not be construed to limit the ability of the Department to informally dispose of disciplinary actions by stipulation, agreed settlement, or consent order.
(3) Cease and Desist Action. The provisions of this rule chapter shall not preclude the Department from initiating administrative action against licensed or unlicensed individuals for the purpose of imposing a cease and desist and penalty order, as authorized under sections 624.310 and 626.9581, F.S.
(4) Collateral Action. The provisions of this rule chapter are not intended and shall not be construed to limit the ability of the Department to pursue or recommend collateral, civil, or criminal action when appropriate.
Rulemaking Authority 624.308(1), 626.9957(12), 626.9958 FS. Law Implemented 624.307(1), 624.308, 624.310(3), 626.207, 626.611, 626.621, 626.681, 626.691, 626.9521, 626.9561, 626.9571, 626.9581, 626.9957 FS. HistoryNew 7-13-93, Formerly 4-231.070, Amended 8-15-06, Repromgulated 9-10-14, Amended 1-30-19.
69B-231.080 Penalties for Violations of Section 626.611, F.S.
The following stated penalties shall apply for violations under section 626.611, F.S., regarding compulsory suspension or revocation of license(s) and appointment(s):
(1) Section 626.611(1)(a), F.S. revocation.
(2) Section 626.611(1)(b), F.S.
(a) Suspension for 12 months if, had the license application been accurate, the application would have been granted, subject to Department action, based on the statutes and Department licensing rules applicable to the application at the time the Department issued the license, and the documentation in the applicants file at the time the Department issued the license;
(b) Revocation if, had the license application been accurate, the application would have been denied, based on the statutes and Department licensing rules applicable to the application at the time the Department issued the license.
(3) Section 626.611(1)(c), F.S. revocation.
(4) Section 626.611(1)(d), F.S. suspension for 6 months.
(5) Section 626.611(1)(e), F.S. suspension for 9 months.
(6) Section 626.611(1)(f), F.S. suspension for 9 months.
(7) Section 626.611(1)(g), F.S. suspension for 6 months.
(8) Section 626.611(1)(h), F.S. suspension for 6 months.
(9) Section 626.611(1)(i), F.S. suspension for 12 months.
(10) Section 626.611(1)(j), F.S. suspension for 12 months. However, this provision does not apply if the facts constitute a violation of section 626.753, F.S.
(11) Section 626.611(1)(k), F.S. suspension for 6 months.
(12) Section 626.611(1)(l), F.S. suspension for 3 months.
(13) Section 626.611(1)(m), F.S. suspension for 6 months.
(14) Section 626.611(1)(n), F.S. see rule 69B-231.150, F.A.C.
(15) Section 626.611(1)(o), F.S. suspension for 12 months.
(16) Section 626.611(1)(p), F.S. suspension for 12 months.
(17) Sections 626.611(1)(q)1., 3., or 4., F.S. suspension for 12 months.
(18) Section 626.611(1)(q)2., F.S. revocation.
Rulemaking Authority 624.308(1), 626.207(8) FS. Law Implemented 624.307(1), 624.308, 626.207, 626.611 FS. HistoryNew 7-13-93, Amended 9-23-02, Formerly 4-231.080, Amended 8-15-06, 8-12-10, 1-30-19.
69B-231.090 Penalties for Violations of Section 626.621, F.S.
The following stated penalties shall apply for violations under section 626.621, F.S., regarding discretionary suspension or revocation of license(s) and appointments(s):
(1) Section 626.621(1), F.S. revocation.
(2) Section 626.621(2), F.S. suspension for 3 months.
(3) Section 626.621(3), F.S. suspension for 3 months.
(4) Section 626.621(4), F.S. suspension for 9 months.
(5) Section 626.621(5), F.S. suspension for 6 months.
(6) Section 626.621(6), F.S. see rule 69B-231.100, F.A.C.
(7) Section 626.621(7), F.S. suspension for 6 months.
(8) Section 626.621(8), F.S. suspension for 3 months.
(9) Section 626.621(9), F.S. suspension for 6 months and re-exam.
(10) Section 626.621(10), F.S. suspension for 3 months.
(11) Section 626.621(11), F.S. suspension for 6 months.
(12) Section 626.621(12), F.S.
(a) The maximum identical or substantially similar penalty to the penalty imposed by the court, state or federal agency, or national securities, commodities or options exchange or association for the same type of violation.
1. A penalty of revocation, removal, lifetime bar, lifetime ban, lifetime prohibition, or its equivalent, or any suspension with a duration greater than 24 months, shall result in revocation; and,
2. A penalty of suspension with a duration of less than 24 months shall result in a suspension of equal duration.
(b) When substantially similar penalties are not available, the following penalties shall apply:
1. Penalties applicable to warnings, fines, restitution, cease and desist orders, injunctions, censures, probations, license denials, and licensing restrictions:
a. Suspension for 6 months when the order does not contain allegations or findings related to monetary loss, fraud, misappropriation, conversion, or unlawful withholding of money.
b. Suspension for 12 months when the order contains allegations or findings related to monetary loss, fraud, misappropriation, conversion, or unlawful withholding of money.
2. Penalties applicable to all other situations:
a. Suspension for 3 months when the order does not contain allegations or findings related to monetary loss, fraud, misappropriation, conversion, or unlawful withholding of money.
b. Suspension for 9 months when the order contains allegations or findings related to monetary loss, fraud, misappropriation, conversion, or unlawful withholding of money.
(13) Section 626.621(13), F.S. suspension for 6 months.
(14) Section 626.621(14), F.S. suspension for 6 months.
(15) Section 626.621(15), F.S
(a) The maximum identical or substantially equivalent penalty to the penalty imposed by this state, any other state, any nation, any possession or district of the United States, any court, or any state or federal agency, for the same type of violation.
1. A penalty of revocation, removal, lifetime bar, lifetime ban, lifetime prohibition, or its equivalent, or any suspension with a duration greater than 24 months, shall result in revocation; and,
2. A penalty of suspension with a duration of less than 24 months shall result in a suspension of equal duration.
(b) When substantially similar penalties are not available, the following penalties shall apply:
1. Penalties applicable to warnings, fines, restitution, cease and desist orders, injunctions, censures, probations, license denials, and licensing restrictions:
a. Suspension for 6 months when the order does not contain allegations or findings related to monetary loss, fraud, misappropriation, conversion, or unlawful withholding of money.
b. Suspension for 12 months when the order contains allegations or findings related to monetary loss, fraud, misappropriation, conversion, or unlawful withholding of money.
2. Penalties applicable to all other situations:
a. Suspension for 3 months when the order does not contain allegations or findings related to monetary loss, fraud, misappropriation, conversion, or unlawful withholding of money.
b. Suspension for 9 months when the order contains allegations or findings related to monetary loss, fraud, misappropriation, conversion, or unlawful withholding of money.
Rulemaking Authority 624.308(1), 626.207(8) FS. Law Implemented 624.307(1), 624.308, 626.207, 626.621 FS. HistoryNew 7-13-93, Formerly 4-231.090, Amended 8-15-06, 3-24-14, 1-30-19.
69B-231.100 Penalties for Violations of Sections 626.621(6), 626.844(5), or 626.9541, F.S.
The following stated penalties shall apply for violations under sections 626.621(6), 626.844(5), or 626.9541, F.S., for engaging in unfair methods of competition or in unfair or deceptive acts or practices, as defined in any of the following paragraphs of section 626.9541(1), F.S.:
(1) Section 626.9541(1)(a), F.S. suspension for 12 months.
(2) Section 626.9541(1)(b), F.S. suspension for 6 months.
(3) Section 626.9541(1)(c), F.S. suspension for 3 months.
(4) Section 626.9541(1)(d), F.S. suspension for 3 months.
(5) Section 626.9541(1)(e), F.S. suspension for 6 months; except that the penalty for a violation of section 626.9541(1)(e)1., F.S., shall be a suspension for 12 months.
(6) Section 626.9541(1)(f), F.S. suspension for 3 months.
(7) Section 626.9541(1)(g), F.S. suspension for 6 months.
(8) Section 626.9541(1)(h), F.S. suspension for 6 months.
(9) Section 626.9541(1)(i), F.S. suspension for 6 months.
(10) Section 626.9541(1)(j), F.S. suspension for 3 months.
(11) Section 626.9541(1)(k), F.S. suspension for 9 months.
(12) Section 626.9541(1)(l), F.S. suspension for 12 months.
(13) Section 626.9541(1)(m), F.S. suspension for 3 months.
(14) Section 626.9541(1)(n), F.S. suspension for 6 months.
(15) Section 626.9541(1)(o), F.S. suspension for 6 months.
(16) Section 626.9541(1)(p), F.S. suspension for 3 months.
(17) Section 626.9541(1)(q), F.S. suspension for 3 months.
(18) Section 626.9541(1)(r), F.S. suspension for 3 months.
(19) Section 626.9541(1)(s), F.S. suspension for 3 months.
(20) Section 626.9541(1)(t), F.S. suspension for 3 months.
(21) Section 626.9541(1)(u), F.S. suspension for 9 months.
(22) Section 626.9541(1)(v), F.S. suspension for 3 months.
(23) Section 626.9541(1)(w), F.S. suspension for 6 months.
(24) Section 626.9541(1)(x), F.S. suspension for 6 months.
(25) Section 626.9541(1)(y), F.S. suspension for 6 months.
(26) Section 626.9541(1)(z), F.S. suspension for 6 months.
(27) Section 626.9541(1)(aa), F.S. suspension for 9 months.
(28) Section 626.9541(1)(bb), F.S. suspension for 3 months.
(29) Section 626.9541(1)(cc), F.S. suspension for 6 months.
(30) Section 626.9541(1)(ee), F.S. suspension for 12 months.
(31) Section 626.9541(1)(ff), F.S. suspension for 12 months.
Rulemaking Authority 624.308(1), 626.207(8), 626.9957(12), 626.9958 FS. Law Implemented 624.307(1), 624.308, 626.207, 626.621, 626.844, 626.9541(1), 626.9957 FS. HistoryNew 7-13-93, Formerly 4-231.100, Amended 8-15-06, 8-12-10, 9-10-14, 1-30-19.
69B-231.105 Penalties for Violations of Section 626.8437, F.S.
The following stated penalties shall apply for violations under section 626.8437, F.S., where suspension or revocation of license(s) and appointment(s) is required:
(1) Section 626.8437(1), F.S. revocation.
(2) Section 626.8437(2), F.S.
(a) Suspension for 12 months if, had the license application been accurate, the application would have been granted, subject to Department action, based on the statutes and Department licensing rules applicable to the application at the time the Department issued the license, and the documentation in the applicants file at the time the Department issued the license;
(b) Revocation if, had the license application been accurate, the application would have been denied, based on the statutes and Department licensing rules applicable to the application at the time the Department issued the license.
(3) Section 626.8437(3), F.S. suspension for 9 months.
(4) Section 626.8437(4), F.S. suspension for 6 months.
(5) Section 626.8437(5), F.S. suspension for 6 months.
(6) Section 626.8437(6), F.S. suspension for 12 months.
(7) Section 626.8437(7), F.S. suspension for 12 months.
(8) Section 626.8437(8), F.S. suspension for 9 months.
(9) Section 626.8437(9), F.S. suspension for 6 months.
(10) Section 626.8437(10), F.S. see Rule 69B-231.150, F.A.C.
(11) Section 626.8437(11), F.S. suspension for 3 months.
Rulemaking Authority 624.308(1), 626.207(8) FS. Law Implemented 624.307(1), 624.308, 626.207, 626.8437 FS. HistoryNew 1-30-19.
69B-231.106 Penalties for Violations of Section 626.844, F.S.
The following stated penalty shall apply for violations under section 626.844, F.S., regarding discretionary suspension or revocation of license(s) and appointment(s):
(1) Section 626.844(1), F.S. revocation.
(2) Section 626.844(2), F.S. suspension for 3 months.
(3) Section 626.844(3), F.S. suspension for 3 months.
(4) Section 626.844(4), F.S. suspension for 9 months.
(5) Section 626.844(5), F.S. see Rule 69B-231.100, F.A.C.
(6) Section 626.844(6), F.S. see Rule 69B-231.150, F.A.C.
Rulemaking Authority 624.308(1), 626.207(8) FS. Law Implemented 624.307(1), 624.308, 626.207, 626.844 FS. HistoryNew 1-30-19.
69B-231.110 Penalties for Violations of Other Specific Provisions of the Florida Insurance Code.
The following stated penalties shall apply for violations of the following provisions of the Florida Insurance Code:
(1) Section 624.318(2), F.S. suspension for 3 months.
(2) Section 626.112(2), F.S. suspension for 3 months.
(3) Section 626.112(8), F.S. suspension for 3 months.
(4) Section 626.311(4), F.S. suspension for 3 months.
(5) Section 626.311(6) F.S. suspension for 6 months.
(6) Section 626.331(2), F.S. suspension for 3 months.
(7) Section 626.342(1), F.S. suspension for 3 months.
(8) Section 626.341(1), F.S. suspension for 6 months.
(9) Section 626.441, F.S. suspension for 6 months.
(10) Section 626.451(6), F.S. suspension for 3 months and an administrative fine of not less than $1,500.
(11) Section 626.471(2), F.S. administrative fine of not less than $1,000.
(12) Section 626.536, F.S. administrative fine of not less than $1,500 for the first violation, and suspension for 3 months for the second and subsequent violations.
(13) Section 626.541, F.S. administrative fine of not less than $1,500 for the first violation, and suspension for 3 months for the second and subsequent violations.
(14) Section 626.551, F.S. administrative fine of not more than $250 for the first violation, administrative fine of not less than $500 for the second violation, and an administrative fine of not less than $500 and suspension for 3 months for the third and subsequent violations.
(15) Section 626.561(1), F.S. suspension for 9 months.
(16) Section 626.561(2), F.S. suspension for 3 months.
(17) Section 626.572, F.S. suspension for 3 months.
(18) Section 626.591, F.S. suspension for 6 months.
(19) Section 626.593, F.S. suspension for 3 months.
(20) Section 626.601(2), F.S. suspension for 3 months.
(21) Section 626.631(1), F.S. revocation.
(22) Section 626.641(4), F.S. revocation.
(23) Section 626.7315, F.S. suspension for 3 months.
(24) Section 626.7352, F.S. suspension for 3 months.
(25) Section 626.7354(3), F.S. suspension for 3 months.
(26) Section 626.7354(4), F.S. suspension for 6 months.
(27) Section 626.7355(2), F.S. suspension for 3 months.
(28) Section 626.7355(3), F.S. suspension for 3 months.
(29) Section 626.7355(6), F.S. suspension for 3 months.
(30) Section 626.7355(7), F.S. suspension for 3 months.
(31) Section 626.741(3), F.S. suspension for 3 months.
(32) Section 626.741(4), F.S. suspension for 6 months.
(33) Section 626.748, F.S. suspension for 2 months.
(34) Section 626.749, F.S. suspension for 3 months.
(35) Section 626.752, F.S. suspension 3 months.
(36) Section 626.753, F.S. revocation.
(37) Section 626.7845, F.S. suspension for 3 months.
(38) Section 626.792(3), F.S. suspension for 3 months.
(39) Section 626.792(6), F.S. revocation.
(40) Section 626.793, F.S. suspension for 2 months.
(41) Section 626.794, F.S. suspension for 6 months.
(42) Section 626.798, F.S. suspension for 9 months.
(43) Section 626.8305, F.S. suspension for 3 months.
(44) Section 626.835(3), F.S. suspension for 3 months.
(45) Section 626.835(6), F.S. revocation.
(46) Section 626.837, F.S. suspension for 6 months.
(47) Section 626.8373, F.S. suspension for 6 months.
(48) Section 626.838, F.S. suspension for 6 months.
(49) Section 626.901(1), F.S. suspension for 12 months.
(50) Section 626.901(2), F.S. suspension for 12 months.
(51) Section 626.916(1), F.S. suspension for 3 months.
(52) Section 626.916(4), F.S. suspension for 3 months.
(53) Section 627.4554, F.S. suspension for 12 months.
(54) Section 627.901, F.S. suspension for 3 months.
(55) Section 631.155, F.S. revocation.
Rulemaking Authority 624.308(1), 626.207(8), 626.536, 626.551, 626.9957(12), 626.9958, 627.4554(9) FS. Law Implemented 624.307(1), 624.308, 624.310, 626.207, 626.611, 626.621, 626.681, 626.691, 626.9957, 631.155 FS. HistoryNew 7-13-93, Formerly 4-231.110, Amended 8-15-06, 8-12-10, 9-10-14, 1-30-19.
69B-231.115 Penalties for Violations of Section 626.9957, F.S.
The following stated penalties shall apply for violations of section 626.9957, F.S.:
(1) Section 626.9957(2), F.S. suspension for 6 months.
(2) Section 626.9957(3), F.S. suspension for 6 months.
(3) Section 626.9957(4)(c), F.S. suspension for 6 months.
(4) Section 626.9957(4)(d), F.S. revocation.
(5) Section 626.9957(4)(e), F.S.
(a) Suspension for 12 months if, had the license application been accurate, the application would have been granted, subject to Department action, based on the statutes and Department licensing rules applicable to the application at the time the Department issued the license, and the documentation in the applicants file at the time the Department issued the license;
(b) Revocation if, had the license application been accurate, the application would have been denied, based on the statutes and Department licensing rules applicable to the application at the time the Department issued the license.
(6) Section 626.9957(4)(f), F.S. revocation.
(7) Section 626.9957(4)(g), F.S. see Rule 69B-231.150, F.A.C.
(8) Section 626.9957(4)(h), F.S. suspension for 3 months.
(9) Section 626.9957(4)(i), F.S. suspension for 6 months.
(10) Section 626.9957(4)(j), F.S. revocation.
Rulemaking Authority 626.9957(12), 626.9958 FS. Law Implemented 626.9957 FS. History New 9-10-14, Amended 1-30-19.
69B-231.120 Penalties for Violations of Other Florida Insurance Code Provisions.
Unless otherwise specified in this rule chapter or in the code provision violated, the stated penalty for violations of other provisions of the Florida Insurance Code or Department rules shall be a suspension for 6 months if the violation was willful, or shall be a suspension for 3 months if the violation was non-willful.
Rulemaking Authority 624.308(1), 626.207(8), 626.9957(12) FS. Law Implemented 624.307(1), 624.308, 626.207, 626.611, 626.621, 626.9957 FS. HistoryNew 7-13-93, Formerly 4-231.120, Amended 8-15-06, 1-30-19.
69B-231.130 Penalties for Violation of Department Rules.
Rulemaking Authority 624.308(1), 626.9957(12) FS. Law Implemented 624.307(1), 624.308, 626.207(2), 626.611, 626.621, 626.9957(4)(a) FS. HistoryNew 7-13-93, Formerly 4-231.130, Amended 8-15-06, Repealed 1-30-19.
69B-231.140 Penalties for Violations of Department Order.
Unless the penalty is specified in the Departments order, the stated penalty for a violation of a Department order, shall be a suspension for 6 months if the violation was willful, or shall be a suspension for 3 months if the violation was non-willful; except that, if a licensee or an affiliated party transacts insurance in violation of an order of suspension, the penalty shall be revocation of license(s) and appointment(s) if the violation was willful, or shall be an additional suspension for 3 months if the violation was non-willful.
Rulemaking Authority 624.308(1), 626.9957(12) FS. Law Implemented 624.307(1), 624.308, 626.207, 626.611, 626.621, 626.9957 FS. HistoryNew 7-13-93, Formerly 4-231.140, Amended 8-15-06, 1-30-19.
69B-231.150 Criminal Proceedings.
(1) If a licensee was convicted or found guilty of, or has entered a plea of guilty or nolo contendere (no contest) to, regardless of adjudication, a felony or a crime punishable by imprisonment of one year or more under the laws of the United States of America, or of any state thereof or under the laws of any other country, the penalty shall be revocation or suspension for 24 months of all licenses and appointments held by the licensee. However, if the licensee is a title insurance agent, the penalty shall be revocation or suspension for 12 months of the title insurance agent license or appointment. The terms of suspension and revocation and the conditions for reapplying for licensure are contained in sections 626.641, 626.8443, and 626.207, F.S.
(2)(a) In accordance with section 626.207, F.S., any licensee that was convicted or found guilty, or entered a plea of guilty or nolo contendere (no contest) to, regardless of adjudication, a first degree felony, a capital felony, a felony involving money laundering, fraud or embezzlement, or a felony directly related to the financial services business, is permanently barred from applying for reinstatement of any revoked or suspended license and from applying for any license under the Florida Insurance Code.
(b) In accordance with section 626.207, F.S., any licensee that was convicted or found guilty of, or entered a plea of guilty or nolo contendere (no contest) to, regardless of adjudication, a felony involving moral turpitude not specifically included in paragraph (2)(a) of this rule or section 626.207(2), F.S., is prohibited from applying for reinstatement of any revoked or suspended license, and prohibited from applying for any other license under the Florida Insurance Code for a period of 15-years (subject to modification pursuant to rule 69B-211.042, F.A.C.). The disqualifying period shall start on the date of the licensees final release from supervision or the completion date of the licensees criminal sentence, whichever occurs later. The Department shall not issue a license unless all related fines, court costs and fees, and court-ordered restitution have been paid.
(c) In accordance with section 626.207, F.S., any licensee that has been convicted or found gulity of, or entered a plea of guilty or nolo contendere (no contest) to, regardless of adjudication, a felony not involving moral turpitude, is prohibited from applying for reinstatement of a revoked or suspended license and from applying for any license under the Florida Insurance Code for a period of 7 years. The disqualifying period shall start on the date of the licensees final release from supervision or the completion date of the licensees criminal sentence, whichever occurs later. The Department shall not issue a license unless all related fines, court costs and fees, and court-ordered restitution have been paid.
(3) For purposes of this rule, in the event that a conviction or plea is based on the laws of a country other than the United States, the Department shall consider the following factors to determine if the crime is the equivalent of a felony crime under sections 626.611 and 626.621, F.S.:
(a) Whether the crime would be a felony under the laws of the United States or any state within the United States; and,
(b) The degree of the penalty associated with the same or similar crimes in the United States.
Rulemaking Authority 624.308(1), 626.207(8), 626.9957(12), 626.9958 FS. Law Implemented 624.307(1), 624.308, 626.207, 626.611, 626.621, 626.631, 626.9954, 626.9957 FS. HistoryNew 7-13-93, Amended 9-23-02, Formerly 4-231.150, Amended 8-15-06, 11-6-13, 1-30-19.
69B-231.160 Aggravating/Mitigating Factors.
The Department shall consider the following aggravating and mitigating factors in order to determine the final penalty assessed against a licensee under this rule chapter.
(1) For penalties other than those assessed under Rule 69B-231.150, F.A.C.:
(a) Willfulness of licensees conduct;
(b) Degree of actual injury to victim;
(c) Degree of potential injury to victim;
(d) Age or capacity of victim;
(e) Restitution to victims;
(f) Motivation of licensee;
(g) Financial gain or loss to licensee;
(h) Financial loss to victim;
(i) Vicarious or personal responsibility;
(j) Related criminal charge; disposition;
(k) Existence of secondary violations in counts;
(l) Previous disciplinary orders or prior warning by the Department; and,
(m) Violation of any part of sections 626.9541 and 627.4554. F.S., in relation to the sale of a life insurance policy or annuity to a senior citizen.
(2) For suspensions assessed under Rule 69B-231.150, F.A.C., for violations of section 626.611(1)(n), F.S.:
(a) Number of years that have passed since criminal proceeding;
(b) Age of licensee at time the crime was committed;
(c) Whether licensee served time in jail;
(d) Whether or not licensee violated criminal probation;
(e) Whether or not licensee is still on criminal probation;
(f) Whether or not licensees actions or behavior resulted in substantial injury to victim;
(g) Whether or not restitution was, or is being timely paid; and,
(h) Whether or not licensees civil rights have been restored.
Rulemaking Authority 624.308(1), 626.207(8), 626.9957(12), 626.9958, 627.4554(9) FS. Law Implemented 624.307(1), 624.308, 624.310(5), 626.207, 626.611, 626.621, 626.631, 626.681, 626.8437, 626.844, 626.9541(1), 626.9954, 626.9957, 627.4554 FS. HistoryNew 7-13-93, Formerly 4-231.160, Amended 8-15-06, 8-12-10, 9-10-14, 1-30-19.
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