State Law Guide - Updated January 2026
Florida Lease Return Dispute Rights
Under Florida Consumer Protection Laws, Florida gives you the right to cancel and receive refunds on F&I products.
Quick Answer
In Florida, you can cancel dealer add-on products at any time. You can sue in Small Claims Court for up to $8,000.
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Key Florida Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Arbitration | Available | Can request arbitration for lease disputes |
| Reasonable Standards | Required | Charges must be based on reasonable standards |
| Credit Card Test | Industry standard | Minor damage under 2" is normal wear |
| Itemized Statement | Required | Must receive detailed breakdown of charges |
| Federal Reg M | Applies | Federal consumer lease protections apply |
Arbitration
AvailableReasonable Standards
RequiredCredit Card Test
Industry standardItemized Statement
RequiredFederal Reg M
AppliesWhat Florida Law Requires
Your Cancellation Rights
Under Florida Consumer Protection Laws, Florida consumers have the right to cancel F&I products purchased from dealers.After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
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Our tool generates a formal lease return dispute letter citing Florida Consumer Protection Laws and state-specific provisions for maximum leverage.
Dispute Letter
Cites Regulation M & OEM guides
Credit Card Test Analysis
Industry-standard defense
Documented Savings
Average $1,200 disputed
$29 - Avg Florida refund: $1,600 - Potential 55x return
Frequently Asked Questions
Can I use arbitration for lease disputes in Florida?
Yes. Florida offers arbitration options for consumer disputes including lease-end charge disagreements. This can be faster and less expensive than going to court.
What is considered normal wear in Florida?
Under federal Regulation M and industry standards, normal wear includes minor scratches and dents under 2 inches (Credit Card Test), light interior wear, and expected tire wear. These cannot be charged.
How do I dispute lease charges in Florida?
Send a written dispute to the lessor within 30 days of receiving your final bill. Reference specific charges, cite federal Regulation M, and request an independent appraisal if needed.
What if the lessor sues me in Florida?
Under federal Regulation M, if the lessor brings a successful action against you, they may be required to pay your attorney fees regardless of outcome. This discourages frivolous lawsuits.
Florida Regulatory Contacts
If you need to file a complaint or seek assistance, contact these official agencies:
Contact information is provided for reference. Verify current details on official agency websites.
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Based on Florida Consumer Protection Laws