FL S2086

Requires registered consumer collection agencies to maintain all books, accounts, records, and documents at their principal place of business for at least 3 years after debt collection transactions are completed

Increases administrative fines for out-of-state consumer debt collectors operating without registration from $1,000 to up to $10,000

Requires written notice of debt assignment to be provided at least 30 days before any collection action, and specifies that attorneys representing debtors must receive responses within 30 days

Grants the Office of Financial Regulation authority to issue subpoenas, cease and desist orders, and impose administrative fines up to $10,000 per violation against debt collectors who violate prohibited practices

Authorizes the Attorney General to take action against any person violating consumer debt collection laws and expands enforcement jurisdiction to include state courts in addition to federal courts