FL H1267

Defines "branch" as any location other than the principal place of business where a licensee operates or conducts consumer finance loan business, and requires licensees to obtain a license from the Office of Financial Regulation before operating a branch.

Reduces maximum interest rates on consumer finance loans from 36% to 30% per annum on the first $3,000 of principal, and reduces the minimum time before imposing delinquency charges from 12 days to 10 days.

Establishes biennial license fees of $625 for the principal place of business and for each branch application, with investigation fees of $200 for principal place of business applications (except renewals or reactivations).

Requires licensees to file annual reports by March 15 each year containing aggregated, anonymized data on loan originations, outstanding loans, loan amounts by range, delinquency status, and other specified metrics.

Mandates licensees offering disaster assistance programs to notify the Office of Financial Regulation within 10 days after program establishment, and requires suspension of delinquency charges, repossessions, and civil collection actions for 90 days following a federal disaster declaration in affected counties.