Consumer law -- Debt collection -- Florida Consumer Collection Practices Act -- Conditions precedent to collection action -- Consumer collection agency failed to satisfy condition precedent to suit where agency failed to register with Office of Financial Regulation before filing…

Insurance -- Property -- Standing -- Assignment -- Validity -- Assignment of insurance benefits was invalid and unenforceable where it did not include the statutorily-mandated written, itemized, per-unit cost estimate of services to be performed -- Separate estimate of services…