Compliance, Law & Practice gathers our most timely, regulation‑driven content for both insurance and real estate professionals. Articles in this filter explain new laws, rule changes, and ethical expectations in plain English, with a strong focus on Florida issues like condo milestone requirements, AI and ethics, and evolving CE standards.
We use this space for “what changed and what you must do” updates, checklists tied to licensing and renewal cycles, and scenario‑based pieces that show how rules play out in daily practice.
This section includes information about our CE content, helping readers see how specific courses keep them compliant and protect their clients.
OLT is a trusted guide through an increasingly complex regulatory landscape.
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If you want to become a real estate agent in Florida, you must hold a valid Florida real estate sales associate license. With this license, and under the supervision of a licensed broker, you can legally help people buy, sell, and rent property, show homes, discuss offers, and earn commissions.
The Florida Real Estate Commission (FREC), working with the Department of Business and Professional Regulation (DBPR), sets the rules for becoming licensed. Their web..
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The Florida insurance market is changing quickly, and agents need to keep up. Staying informed about new regulations and enforcement actions is not only about following the rules; it is also essential for delivering strong service and protecting client trust.
In the first quarter of 2026, two developments stand out: a major insurance rate relief announcement and a high‑profile fraud case involving a licensed agent. These events will influence how you serve yo..
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Mentoring New Florida Agents: How to Talk About the 2026 Insurance Market
If you are just starting your insurance career in Florida, you are stepping into the market at a very important time. The last few years have been some of the toughest our homeowners have ever seen, but 2026 is finally bringing signs of stability and opportunity for good agents who know how to guide their clients.
In this mentor-style overview, I’ll walk you through how we got he..
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How Real Estate Sales Associates Can Use Reddit Professionally
TL;DR: Treat Reddit like a public open house for your expertise: create a professional profile, answer real questions about home buying and local markets, respect each community’s rules, and assume every post could be seen by future clients and brokers.
Why Reddit Belongs In Your Real Estate Toolkit
Reddit has millions of conversations about home buying, neighborhoods, mortgages, a..
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How Insurance Agents Can Use Reddit Professionally
TL;DR: Treat Reddit as a public stage: create a professional profile, answer real insurance and licensing questions in a helpful way, follow each community’s rules, and assume employers and clients may read everything you post.
Why Reddit Belongs In Your Professional Toolkit
Reddit is more than jokes and memes; it is also a massive Q&A and discussion platform where insurance agents and consume..
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The 2026 Commercial Real Estate Resurgence: Why the “Great Reset” Is Finally Paying Off
After several years of uncertainty, 2026 is shaping up to be the year commercial real estate finally turns the corner. For current and future real estate professionals, this shift could open doors to new listings, more transactions, and better long-term career opportunities.
If you are thinking about starting a career in real estate or upgrading your skills for t..
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The March 1st Mandate: How the 2026 FinCEN Rule Redefines Real Estate Closing
Why Florida real estate agents, brokers, and closing professionals cannot ignore the new reporting rules for all-cash and non‑financed deals.
On March 1, 2026, the Financial Crimes Enforcement Network (FinCEN) will begin enforcing its nationwide Residential Real Estate Rule, marking one of the biggest compliance shifts in modern real estate practice. The..
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TL;DR; Stay compliant with Florida CE rules and protect your license with streamlined, text‑based online courses you can complete from anywhere, any time.
Our Florida‑approved CE bundles are built to match state requirements by license type, experience level, and renewal cycle, so you can meet every rule in one place and move on with your business.
What Florida Insurance Professionals Must Do
Florida resident major lines agents must complete state‑approved C..
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2026 Cyber Insurance Trends: The “Soft” Market Paradox & The AI Exclusion Trap
Audience: Insurance agents, brokers, and risk managers looking to protect clients in a rapidly changing cyber risk environment.
As 2026 gets underway, cyber insurance is sending mixed signals to agents and business owners. On one hand, the market feels soft: capacity is plentiful, competition is intense, and many insureds are seeing flat or modestly lo..
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Employers in Florida have asked what happens when a brand‑new 4-40 Customer Representative or other Insurance License candidate finishes the required course but does not yet have a Social Security number (SSN). This situation is common with newly arrived legal immigrants and workers in the process of securing federal documentation, so it is important to understand what the Florida Department of Financial Services (DFS) will and will not allow under current law.
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Florida’s professional landscape is currently standing at its most significant crossroads in decades. As the 2026 Legislative Session gains momentum, two major bills—House Bill 607 and Senate Bill 1306—threaten to redefine what it means to be a licensed professional in the Sunshine State.
Whether you are a seasoned Real Estate Broker or a dedicated Insurance Agent, the updates coming out of Tallahassee this month will directly impact your career, your compliance require..
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2026 is a pivotal year for Florida condo milestone inspections and Structural Integrity Reserve Studies (SIRS), with key deadlines now reshaping the way real estate professionals evaluate and present condominium properties.
For decades, Florida’s condominium market was the crown jewel of the sunshine state’s real estate landscape—an accessible, low-maintenance gateway to coastal living. As we navigate through 2026, that landscape has fundamentally shifted, with structur..
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As we kick off 2026, the Florida real estate landscape isn’t just shifting—it’s undergoing a full-scale structural renovation. Between a major suite of new transaction forms released on January 5 and a bombshell legislative bill (HB 607) that could dismantle decades of licensing requirements, Florida professionals find themselves at a critical crossroads.
Here is everything you need to know to stay compliant and competitive this month.
1. The January 5 Forms Upda..
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AI and Ethics: Navigating the 2026 Regulatory Landscape for Florida Real Estate and Insurance Professionals.
Florida’s 2026 market is being reshaped by new flood disclosures, tougher condominium transparency rules, and a sharper regulatory focus on AI ethics in licensed practice. The professionals who win will be those who turn these changes into a clear value story for buyers, sellers, and policyholders.
Why 2026 Feels Different
In 2025, Florida lawmakers advanc..
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Florida Insurance CE for Agents With Multiple Licenses
Florida insurance continuing education (CE) rules can seem complicated, especially if you hold multiple licenses. This guide explains how many CE hours you need, how credits are shared across licenses, and how excess hours can roll over into your next compliance period.
One CE Requirement, Even With Multiple Licenses
In Florida, CE is attached to you as the licensee, not to each individual license. That m..
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