Florida Administrative Code 69 - DEPARTMENT OF FINANCIAL SERVICES
The Florida Administrative Code (FAC) Chapter 69 covers the rules and regulations of the Florida Department of Financial Services (DFS). Here’s a breakdown of its structure and major divisions:
🏛️ Overview of FAC 69: Department of Financial Services
Divisions under FAC 69
FAC 69 is organized into divisions labeled 69A, 69B, and so on, up to 69W. Each corresponds to a specific functional area of DFS (regulations.justia.com):
| Code | Division | Description |
|---|---|---|
| 69A | State Fire Marshal | Includes Fire Prevention, Boiler Safety, Inspector Certifications, Fire Safety Codes, etc. (Chapters 69A‑2 through 69A‑72) (law.cornell.edu) |
| 69B | Insurance Agent & Agency Services | Regulates licensing and conduct of insurance agents/agencies |
| 69C | Treasury | Covers clearing accounts, public deposits security, state investment, etc. |
| 69D | Criminal Investigations | DFS investigative procedures |
| 69E | Administration | Internal departmental rules |
| 69G | Unclaimed Property | Dormant property rules |
| 69H | Risk Management | Statewide risk policies |
| 69I | Accounting & Auditing | Includes Single Audit Act rules (Chapter 69I‑5) |
| 69J | Consumer Services | Handles consumer protections and complaint processes |
| 69K | Funeral, Cemetery & Consumer Services | Regulates funeral homes/cemeteries |
| 69L | Workers’ Compensation | Pertains to WC regulations |
| 69N | OIR – Administration | Administration for Office of Insurance Regulation |
| 69O | OIR – Insurance Regulation | Comprehensive insurance regulation rules, including licensing, unfair practices, agent ethics, etc. |
| 69P | Residual Markets & Special Risk Pools | Auto insurance pool management |
| 69T | Office of Financial Regulation | Dual layer overlap with DFS |
| 69U | Financial Institution Regulation | Banks, savings institutions, etc. |
| 69V | Finance | Consumer finance, mortgage brokers, money transmitters, etc. |
| 69W | Securities | Securities registration and enforcement |
🔍 Selected Highlights
🔥 69A State Fire Marshal
Encompasses rules on explosives, fire prevention, boiler safety, and more (Ch. 69A‑2 to 69A‑72) (law.cornell.edu).
Implements the Florida Fire Prevention Code, based on NFPA standards (e.g., NFPA 1 and NFPA 101 – 2021 edition) (law.cornell.edu).
📚 69I Accounting & Auditing
Chapter 69I‑5 governs the Florida Single Audit Act, aligning with state & federal audit requirements and integrating forms DFS‑A2‑XX (apps.fldfs.com).
🛡️ 69O Insurance Regulation
Covers core insurance oversight:
Conduct of domestic insurers (e.g., affiliate transactions rules) (flrules.elaws.us).
Defines licensing, ethical standards, consumer protections, life/health insurance rules, etc.
💰 69V Finance & 69W Securities
Regulate consumer finance: mortgage brokers, title loans, retail finance, money transmitters.
Securities rules for investor protection, licensure, and enforcement actions (flofr.gov).
✅ How to Use This
Identify relevant division based on your interest: e.g. fire codes (69A), insurance (69O), audits (69I).
Drill down by chapter/subchapter (e.g., 69I‑5 for audits; 69O‑143 for domestic insurer standards; 69A‑60 for fire prevention standards).
Access official text via:
FLRules eLaws (updated regularly; e.g., 69O last updated June 19, 2025) (flrules.elaws.us, law.cornell.edu, flofr.gov).
Regulations.justia.com, Cornell’s LII, or DFS’s own site.
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