reglab/housing_qa huggingface dataset:
FL Stat § 655.80 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.80 - Convenience Accounts.

655.80 Convenience accounts.—(1) A convenience account is a deposit account, other than a certificate of deposit, in the name of one individual (principal), in which one or more other individuals have been designated as agents with the right to make deposits to and to withdraw funds from or draw checks on such account. The designation of agents, the substitution or removal of agents, or any other change in the contractual terms or provisions governing a convenience account may be made only by the principal. Except as otherwise provided in this section, the agency relationship created under this account is not affected by the subsequent death or incompetence of the principal.(2) All rights, interests, and claims in, to, and in respect of, such deposits and convenience account and the additions thereto shall be those of the principal only.(3) Any balance standing to the credit of a convenience account shall be paid to the guardian of the property of the principal, to any person designated in a court order entered pursuant to s. 735.206, to any person designated by letter or other writing as authorized by s. 735.301, or to the personal representative of the deceased principal’s estate, upon presentation of effective written notice and, if applicable, proof of judicial appointment of such guardian or personal representative by a court of competent jurisdiction. No such court order or letter, written notice, or proof of judicial appointment is effective until it is served upon and received by an officer of the institution during regular banking hours and in such time and in such manner as to afford the institution a reasonable opportunity to act on it prior to the happening of any of the events described in s. 674.303. No other notice, knowledge, or other information shown to have been available to an institution affects its right to the protection provided by this section.(4) Payment by an institution pursuant to this section is a valid and sufficient release and discharge to the institution from all claims for payments so paid.(5) Without qualifying any other right to setoff or lien, and subject to any contractual provision, if the principal is indebted to the institution, the institution has a right to setoff against the account.History.—s. 49, ch. 92-303.
FL Stat § 655.825 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.825 - Deposits in Trust; Applicability of S. 655.82 in Place of Former S. 655.81.

655.825 Deposits in trust; applicability of s. 655.82 in place of former s. 655.81.—(1) Because deposits in trust are also accounts with a pay-on-death designation as described in s. 655.82, it is the intent of the Legislature that the provisions of s. 655.82 shall apply to and govern deposits in trust. References to former s. 655.81 in any depository agreement shall be interpreted after the effective date of this act as references to s. 655.82.(2) This section shall take effect July 1, 2001, and shall apply to deposits made to a depository account created after December 31, 1994.History.—s. 3, ch. 2001-243; s. 101, ch. 2019-3.
FL Stat § 655.83 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.83 - Adverse Claim to a Deposit or Fiduciary Account.

655.83 Adverse claim to a deposit or fiduciary account.—Notice to any institution of an adverse claim to a deposit or fiduciary account standing on its books to the credit of any person does not obligate the institution to recognize the adverse claimant unless the adverse claimant also either:(1) Procures a restraining order, injunction, or other appropriate process having specific application to the institution issued by a court of competent jurisdiction in a cause therein instituted by such claimant wherein the person to whose credit the deposit or fiduciary account stands is made a party and served with process; or(2) Obtains in favor of the institution, in a form, amount, and with sureties acceptable to it, a bond indemnifying the institution from any and all liability (including liabilities for penalties), loss, damage, costs, and expenses should it act to give effect to the adverse claim, including the decision not to honor the check or other order of the person to whose credit the deposit or fiduciary account stands on the books of the institution. Upon receipt of such bond, the institution shall hold the account pending agreement between the claimant and the person to whose credit the deposit or fiduciary account stands on the books of the institution or pending receipt of a restraining order, injunction, or other process pursuant to subsection (1).History.—s. 51, ch. 92-303.
FL Stat § 655.84 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.84 - Limitations; Statements as Correct.

655.84 Limitations; statements as correct.—(1) Unless written objection thereto has been theretofore delivered by the depositor to the institution, a statement of account rendered by any institution in this state to a depositor, with a description of the amount and type (such as deposit, withdrawal, debit, credit, or any similar designation) of entries to such account, which description may be on accompanying documents or on the statement itself, shall, after the expiration of 2 years from the date rendered, be conclusively presumed to be correct; and the depositor is thereafter barred from questioning same.(2) In the absence of a written contract between an institution and a depositor providing otherwise, the statement of account is deemed to have been rendered to the depositor within the meaning of this section when prepared and lodged by the institution at its statement window or other customary place for delivery to the depositor. Any such statement of account which is not demanded by the depositor within 3 years may be destroyed by the institution without accountability or liability therefor to anyone.(3) This section does not relieve a depositor from any duty or obligation imposed by law or by contract heretofore or hereafter made to examine such statement of account and to report any disputed debits, credits, errors, or irregularities within a shorter period of time than mentioned in this section, or from the legal consequences of the depositor’s failure to perform any such duty or obligation.History.—s. 52, ch. 92-303.
FL Stat § 655.85 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.85 - Settlement of Checks.

655.85 Settlement of checks.—If a check is forwarded or presented to a financial institution for payment, except when presented by the payee in person, the paying institution or remitting institution shall settle the amount of the check at par, at its option, in money or in exchange drawn on its reserve agent or agents in the City of New York or in any reserve city within the Sixth Federal Reserve District. The term “at par” applies only to the settlement of checks between collecting and paying or remitting institutions and does not apply to, or prohibit an institution from, deducting from the face amount of the check drawn on it a fee for paying the check if the check is presented to the institution by the payee in person. This section does not apply to the settlement of a check sent to such institution as a special collection item.History.—s. 53, ch. 92-303; s. 12, ch. 2014-91.
FL Stat § 655.851 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.851 - Unclaimed Credit Balances.

655.851 Unclaimed credit balances.—Credit balances held by a financial institution, credit union, or participant as defined in 12 U.S.C. s. 4001(19) which result from the performance of or participation in check-clearing functions, whether pursuant to a contractual relationship between financial institutions, credit unions, or participants; through a clearinghouse as defined by s. 674.104; or through a clearinghouse association as defined by 12 U.S.C. s. 4001(8), are not subject to s. 717.117. This section is intended to clarify existing law and to be remedial in nature and applies to credit balances held before, on, or after July 1, 2007.History.—s. 1, ch. 2007-142.
FL Stat § 655.86 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.86 - Issuance of Postdated Checks.

655.86 Issuance of postdated checks.—It is the duty of the person drawing a postdated check to notify, in writing, the separate office or branch of the institution upon which such check is drawn, giving a complete description thereof, including the name of the payee, the date, the number, and the amount thereof; otherwise, the institution is not liable for paying such check.History.—s. 54, ch. 92-303.
FL Stat § 655.921 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.921 - Transaction of Business by Out-of-State Financial Institutions; Exempt Transactions.

655.921 Transaction of business by out-of-state financial institutions; exempt transactions.—(1) The financial institutions codes do not prohibit a financial institution or business trust that has its principal place of business outside this state and that does not operate branches in this state from:(a) Contracting in this state with any person to acquire from such person a part, or the entire, interest in a loan that such person makes, together with a like interest in any security instrument covering real or personal property in the state given to such person to secure or evidence such loan.(b) Entering into mortgage servicing contracts with persons authorized to transact business in this state and enforcing in this state the obligations acquired by it in the transaction of business outside this state or in the transaction of any business authorized by this section.(c) Acquiring, holding, leasing, mortgaging, contracting with respect to, or otherwise protecting, managing, or conveying property in this state which is assigned, transferred, mortgaged, or conveyed to it as security for, or in whole or in part in satisfaction of, a loan or loans made by it or obligations acquired by it in the transaction of any business authorized by this section.(d) Making loans or committing to make loans to any person located in this state and soliciting compensating deposit balances in connection therewith.(e) Filing suit in any court in this state to collect any debt or foreclose on any security interest in collateral securing a debt.(2) A financial institution or business trust may not be deemed to be transacting business in this state, or be required to qualify to do so, solely by reason of the performance of any of the acts or business authorized in this section.History.—s. 58, ch. 92-303; s. 10, ch. 2004-340; s. 93, ch. 2004-390; s. 14, ch. 2014-91.
FL Stat § 655.93 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.93 - Definitions for Ss. 655.93-655.94.

655.93 Definitions for ss. 655.93-655.94.—As used in ss. 655.93-655.94, the term:(1) “Lessee” means a person who contracts with a lessor for the use of a safe-deposit box.(2) “Lessor” means a financial institution that rents safe-deposit facilities.(3) “Safe-deposit box” means a safe-deposit box, vault, or other safe-deposit receptacle maintained by a lessor, and the rules relating thereto apply to property or documents kept in safekeeping in the financial institution’s vault.History.—s. 60, ch. 92-303.
FL Stat § 655.931 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.931 - Authority to Engage in Safe-Deposit Business.

655.931 Authority to engage in safe-deposit business.—A financial institution may maintain and lease safe-deposit boxes and may accept property or documents for safekeeping if, except in the case of property or documents accepted through night depositories, it issues a receipt therefor.History.—s. 61, ch. 92-303.
FL Stat § 655.932 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.932 - Lease to Minor.

655.932 Lease to minor.—A lessor may lease a safe-deposit box to, and in connection therewith deal with, a minor with the same effect as if leasing to and dealing with a person of full legal capacity.History.—s. 62, ch. 92-303.
FL Stat § 655.933 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.933 - Access by Fiduciaries.

655.933 Access by fiduciaries.—If a safe-deposit box is made available by a lessor to one or more persons acting as fiduciaries, the lessor may, except as otherwise expressly provided in the lease or the writings pursuant to which such fiduciaries are acting, allow access thereto as follows:(1) By any one or more of the persons acting as personal representatives.(2) By any one or more of the persons otherwise acting as fiduciaries if authorized in writing, which writing is signed by all other persons so acting.(3) By any agent authorized in writing, which writing is signed by all persons acting as fiduciaries.History.—s. 63, ch. 92-303.
FL Stat § 655.934 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.934 - Effect of Lessee’s Death or Incapacity.

655.934 Effect of lessee’s death or incapacity.—If a lessor without knowledge of the death or an order determining the incapacity of the lessee deals with the lessee’s agent in accordance with a written power of attorney or a durable power of attorney signed by such lessee, the transaction binds the lessee’s estate and the lessee.History.—s. 64, ch. 92-303; s. 1, ch. 2010-132.
FL Stat § 655.935 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.935 - Search Procedure on Death of Lessee.

655.935 Search procedure on death of lessee.—If satisfactory proof of the death of the lessee is presented, a lessor shall permit the person named in a court order for that purpose, or if no order has been served upon the lessor, the spouse, a parent, an adult descendant, or a person named as a personal representative in a copy of a purported will produced by such person, to open and examine the contents of a safe-deposit box leased or coleased by a decedent, or any documents delivered by a decedent for safekeeping, in the presence of an officer of the lessor.(1) If requested by such person, the lessor shall remove and deliver only:(a) Any writing purporting to be a will of the decedent, to the court having probate jurisdiction in the county in which the financial institution is located.(b) Any writing purporting to be a deed to a burial plot or to give burial instructions, to the person making the request for a search.(c) Any document purporting to be an insurance policy on the life of the decedent, to the beneficiary named therein.(2) The officer of the lessor shall make a complete copy of any document removed and delivered pursuant to this section and place that copy, together with a memorandum of delivery identifying the name of the officer, the person to whom the document was delivered, the purported relationship of the person to whom the document was delivered, and the date of delivery, in the safe-deposit box leased or coleased by the decedent.(3) The lessor may charge reasonable fees to cover costs incurred pursuant to this section.(4) Access granted pursuant to this section is not considered the initial opening of the safe-deposit box pursuant to s. 733.6065.History.—s. 65, ch. 92-303; s. 1, ch. 2006-134; s. 67, ch. 2006-213; s. 2, ch. 2010-132.
FL Stat § 655.936 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.936 - Delivery of Safe-Deposit Box Contents or Property Held in Safekeeping to Personal Representative.

655.936 Delivery of safe-deposit box contents or property held in safekeeping to personal representative.—(1) Subject to the provisions of subsection (3), the lessor shall immediately deliver to a personal representative appointed by a court in this state, upon presentation of a certified copy of his or her letters of authority, all property deposited with it by the decedent for safekeeping, and shall grant the personal representative access to any safe-deposit box in the decedent’s name and permit him or her to remove from such box any part or all of the contents thereof.(2) If a personal representative of a deceased lessee has been appointed by a court of any other state, a lessor may, at its discretion, after 3 months from the issuance to such personal representative of his or her letters of authority, deliver to such personal representative all properties deposited with it for safekeeping and the contents of any safe-deposit box in the name of the decedent if at such time the lessor has not received written notice of the appointment of a personal representative in this state, and such delivery is a valid discharge of the lessor for all property or contents so delivered. A personal representative appointed by a court of any other state shall furnish the lessor with an affidavit setting forth facts showing the domicile of the deceased lessee to be other than this state and stating that there are no unpaid creditors of the deceased lessee in this state, together with a certified copy of his or her letters of authority. A lessor making delivery pursuant to this subsection shall maintain in its files a receipt executed by such personal representative which itemizes in detail all property so delivered.(3) Notwithstanding the provisions of subsection (1), after the death of a lessee of a safe-deposit box, the lessor shall permit the initial opening of the safe-deposit box and the removal of the contents of the safe-deposit box in accordance with s. 733.6065.(4) A lessor is not liable for damages or penalty by reason of any delivery made pursuant to this section.History.—s. 66, ch. 92-303; s. 531, ch. 97-102; s. 12, ch. 97-240; s. 3, ch. 2001-226; s. 2, ch. 2006-134; s. 68, ch. 2006-213.
FL Stat § 655.937 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.937 - Access to Safe-Deposit Boxes Leased in Two or More Names.

655.937 Access to safe-deposit boxes leased in two or more names.—(1) Unless specifically provided in the lease or rental agreement to the contrary, 1if a safe-deposit box is rented or leased in the names of two or more lessees, access to the safe-deposit box will be granted to:(a) Either or any of such lessees, regardless of whether or not the other lessee or lessees or any of them are living or competent.(b) Subject to s. 655.933, those persons named in s. 655.933.(c) Subject to s. 655.935, those persons named in s. 655.935.(d) Subject to s. 733.6065, the personal representative of the estate of either or any of such lessees who is deceased, or the guardian of the property of either or any of such lessees who is incapacitated.(2) In all cases described in subsection (1), the signature on the safe-deposit entry or access record, or the receipt or acquittance, in the case of property or documents otherwise held for safekeeping, is a valid and sufficient release and discharge to the lessor for granting access to such safe-deposit box or for the delivery of such property or documents otherwise held for safekeeping.(3) A lessor may not be held liable for damages or penalty by reason of any access granted or delivery made pursuant to this section.(4) The right of access by a colessee is separate from the rights and responsibilities of other persons who may be granted access to a safe-deposit box after the death or incapacity of another colessee, and such right of access is not subject to the provisions of s. 655.935, s. 733.6065, or other requirements imposed upon personal representatives, guardians, or other fiduciaries.(5) After the death of a colessee, the surviving colessee or any other person who is granted access to the safe-deposit box pursuant to this section may make a written inventory of the box, which must be conducted by the person making the request in the presence of one other person as specified in this subsection. Each person present shall verify the contents of the box by signing a copy of the inventory under penalty of perjury.(a) If the person making the written inventory is a surviving colessee, the other person may be any other person granted access pursuant to this section, an employee of the institution where the box is located, or an attorney licensed in this state.(b) If the person making the written inventory is not a surviving colessee, the other person may be a surviving colessee, an employee of the institution where the box is located, or an attorney licensed in this state.History.—s. 67, ch. 92-303; s. 3, ch. 2006-134; s. 69, ch. 2006-213.1Note.—As amended by s. 69, ch. 2006-213. The amendment by s. 3, ch. 2006-134, added the word “when” instead of “if.”
FL Stat § 655.938 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.938 - Adverse Claims to Contents of Safe-Deposit Box.

655.938 Adverse claims to contents of safe-deposit box.—(1) An adverse claim to the contents of a safe-deposit box, or to property held in safekeeping, is not sufficient to require the lessor to deny access to its lessee unless:(a) The lessor is directed to do so by a court order issued in an action in which the lessee is served with process and named as a party by a name which identifies the lessee with the name in which the safe-deposit box is leased or the property held; or(b) The safe-deposit box is leased or the property is held in the name of a lessee with the addition of words indicating that the contents or property are held in a fiduciary capacity, and the adverse claim is supported by a written statement of facts disclosing that it is made by, or on behalf of, a beneficiary and that there is reason to know that the fiduciary will misappropriate the trust property.(2) A claim is also an adverse claim if one of several lessees claims, contrary to the terms of the lease, an exclusive right of access, or if one or more persons claim a right of access as agents or officers of a lessee to the exclusion of others as agents or officers, or if it is claimed that a lessee is the same person as one using another name.History.—s. 68, ch. 92-303.
FL Stat § 655.939 (2021)
2021 Florida Statutes|Title XXXVIII - Banks and Banking|Chapter 655 - Financial Institutions Generally|655.939 - Limiting Right of Access for Failure to Comply With Security Procedures.

655.939 Limiting right of access for failure to comply with security procedures.—If any individual who has a right of access to a safe-deposit box is unwilling or unable for any reason or cause to comply with any of the lessor’s normal requirements or procedures in connection with such access relating to security, safety, or protection, the lessor has the right to limit or deny access to the safe-deposit box by such individual unless all lessees of such safe-deposit box take such action as is necessary to ensure reasonable compliance with such security, safety, or protection requirements or procedures.History.—s. 69, ch. 92-303.