Florida 2025 Regular Session

Florida House Bill H1279 Latest Draft

Bill / Introduced Version Filed 02/27/2025

                               
 
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A bill to be entitled 1 
An act relating to services to noncitizens; amending 2 
s. 125.0167, F.S.; authorizing a county to require 3 
proof that certain borrowers are lawfully present in 4 
the United States; creating s. 420.0007, F.S.; 5 
defining the terms "down payment assistance" and 6 
"silent second mortgage"; prohibiting state and local 7 
governmental entities and private corporations from 8 
providing down payment assistance to a person who is 9 
not lawfully in the United States; requiring immediate 10 
repayment of downpayment assistance and the i nitiation 11 
of foreclosure proceedings in certain circumstances; 12 
prohibiting certain persons from receiving down 13 
payment assistance in the future; amending ss. 14 
420.5088 and 420.5096, F.S.; restricting eligibility 15 
for the Florida Homeownership Assistance Prog ram and 16 
the Florida Hometown Hero Program, respectively, to 17 
persons who are lawfully present in the United States; 18 
amending s. 448.09, F.S.; revising penalties, 19 
including suspension of certain licenses and the 20 
imposition of fines, for violating provisions related 21 
to employing unauthorized aliens; requiring that such 22 
fines be deposited into a specified trust fund; 23 
conforming provisions to changes made by the act; 24 
providing increased penalties, including suspension 25     
 
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and revocation of certain licenses and the i mposition 26 
of fines, for violating provisions related to 27 
employing unauthorized aliens where specified injury 28 
or death occurs; requiring that such fines be 29 
deposited into a specified trust fund; providing that 30 
persons injured or the next of kin of persons k illed 31 
have a cause of action against employers found to be 32 
in violation of a specified provision; amending s. 33 
448.095, F.S.; requiring that all private employers, 34 
rather than only those employing a specified number or 35 
more of employees, use the E -Verify system to verify a 36 
new employee's employment eligibility; amending s. 37 
560.208, F.S.; prohibiting money services business' 38 
licensees from initiating foreign remittance transfers 39 
unless they have verified that the sender is not an 40 
unauthorized alien; defining the term "foreign 41 
remittance transfer"; requiring the Financial Services 42 
Commission to adopt rules; requiring licensees to 43 
submit certain forms to the Office of Financial 44 
Regulation within a specified timeframe; requiring 45 
licensees to pay specified penalti es for any foreign 46 
remittance transferred in violation of specified 47 
provisions; requiring quarterly penalty remittances; 48 
requiring licensees to submit certain forms and 49 
penalties to the office within a specified timeframe; 50     
 
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requiring the office to deposit s uch penalties into a 51 
certain fund; amending s. 560.211, F.S.; requiring 52 
that licensees make, keep, and preserve for 5 years 53 
records of certain documentation and penalties paid; 54 
creating s. 560.2115, F.S.; authorizing the office to 55 
request, and requiring li censees to provide, records 56 
of certain documentation; authorizing the filing of 57 
complaints; providing criminal penalties for knowingly 58 
filing false or frivolous complaints; imposing 59 
requirements on the office upon receipt of a valid 60 
complaint substantiated by evidence of a violation; 61 
requiring the office to conduct random quarterly 62 
audits of licensees to ensure compliance with 63 
specified provisions; specifying that failure to 64 
comply with certain provisions constitutes grounds for 65 
the suspension of all licens es issued by the office; 66 
prohibiting the office from auditing a licensee more 67 
than a specified number of times within a specified 68 
timeframe; providing an exception; authorizing the 69 
office to adopt emergency rules; providing for 70 
severability; providing an e ffective date. 71 
  72 
Be It Enacted by the Legislature of the State of Florida: 73 
 74 
 Section 1.  Paragraph (c) of subsection (5) of section 75     
 
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125.0167, Florida Statutes, is amended to read: 76 
 125.0167  Discretionary surtax on documents; adoption; 77 
application of revenue.— 78 
 (5) 79 
 (c)  A county may not impose any requirement as a condition 80 
to receiving any financial assistance on a borrower other than 81 
requiring proof that the borrower is lawfully present in the 82 
United States and that the borrower's income does not exceed 140 83 
percent of the area median income. In addition to the income 84 
eligibility requirement, borrowers may only be subject to loan 85 
qualifications of lenders licensed to provide mortgage financing 86 
as to the amount of the loan. A county may not create 87 
requirements that restrict participation by eligible borrowers. 88 
 Section 2.  Section 420.0007, Florida Statutes, is created 89 
to read: 90 
 420.0007  Down payment assistance for noncitizens 91 
prohibited.— 92 
 (1)  For purposes of this section, the term: 93 
 (a)  "Down payment assistance" includes, but is not limited 94 
to, grants to assist in the purchase of residential property 95 
which take the form of loans or silent second mortgages. 96 
 (b)  "Silent second mortgage" means a second mortgage used 97 
to secure down payment funds f or a residential property which is 98 
not disclosed to the original mortgage lender before closing 99 
occurs. 100     
 
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 (2)  State and local governmental entities and private 101 
corporations, including, but not limited to, nonprofit 102 
organizations incorporated under chapter 617, may not provide 103 
any form of down payment assistance to a person who is not 104 
lawfully present in the United States. 105 
 (3)  If a person who is not lawfully present in the United 106 
States is discovered to have received down payment assistance 107 
from a state or local governmental entity or a private 108 
corporation, the person must immediately repay the down payment 109 
assistance. The governmental entity or private corporation shall 110 
initiate foreclosure proceedings as appropriate against such 111 
person if he or she does n ot make such repayment. 112 
 (4)  A person who is discovered to have received down 113 
payment assistance in violation of this section is prohibited 114 
from receiving down payment assistance in the future, regardless 115 
of whether his or her presence in the United State s becomes 116 
lawful. 117 
 Section 3.  Section 420.5088, Florida Statutes, is amended 118 
to read: 119 
 420.5088  Florida Homeownership Assistance Program. —There 120 
is created The Florida Homeownership Assistance Program is 121 
created for the purpose of assisting low -income and moderate-122 
income persons who are lawfully present in the United States in 123 
purchasing a home as their primary residence by reducing the 124 
cost of the home with below -market construction financing, by 125     
 
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reducing the amount of down payment and closing costs paid by 126 
the borrower to a maximum of 5 percent of the purchase price, or 127 
by reducing the monthly payment to an affordable amount for the 128 
borrower purchaser. Loans must shall be made available at an 129 
interest rate that d oes not exceed 3 percent. The balance of any 130 
loan is due at closing if the property is sold, refinanced, 131 
rented, or transferred, unless otherwise approved by the 132 
corporation. 133 
 (1)  For loans made available pursuant to s. 134 
420.507(23)(a)1. or 2.: 135 
 (a)  The corporation may underwrite and make those mortgage 136 
loans through the program to such persons or families who have 137 
incomes that do not exceed 120 percent of the state or local 138 
median income, whichever is greater, adjusted for family size. 139 
 (b)  Loans must shall be made available for the term of the 140 
first mortgage. 141 
 (c)  Loans may not exceed the lesser of 35 percent of the 142 
purchase price of the home or the amount necessary to enable the 143 
borrower purchaser to meet credit underwriting criteria. 144 
 (2)  For loans made pursuant to s. 420.507(23)(a)3.: 145 
 (a)  Availability is limited to nonprofit sponsors or 146 
developers who are selected for program participation pursuant 147 
to this subsection. 148 
 (b)  Preference must be given to community -based 149 
organizations as defined in s. 420.503. 150     
 
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 (c)  Priority must be given to projects that have received 151 
state assistance in funding project predevelopment costs. 152 
 (d)  The benefits of making such loans must shall be 153 
contractually provided to the persons or families purchasing 154 
homes financed under this subsection. 155 
 (e)  At least 30 percent of the units in a project financed 156 
pursuant to this subsection must be sold to persons or families 157 
who have incomes that do not exceed 80 percent of the state or 158 
local median income, whichever amount is gre ater, adjusted for 159 
family size; and at least another 30 percent of the units in a 160 
project financed pursuant to this subsection must be sold to 161 
persons or families who have incomes that do not exceed 65 162 
percent of the state or local median income, whichever amount is 163 
greater, adjusted for family size. 164 
 (f)  The maximum loan amount may not exceed 33 percent of 165 
the total project cost. 166 
 (g)  A person who purchases a home in a project financed 167 
under this subsection is eligible for a loan authorized by s. 168 
420.507(23)(a)1. or 2. in an aggregate amount not exceeding the 169 
construction loan made pursuant to this subsection. The home 170 
purchaser must meet all the requirements for loan recipients 171 
established pursuant to the applicable loan program. 172 
 (h)  The corporation sh all provide, by rule, for the 173 
establishment of a review committee composed of corporation 174 
staff and shall establish, by rule, a scoring system for 175     
 
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evaluating and ranking applications submitted for construction 176 
loans under this subsection, including, but no t limited to, the 177 
following criteria: 178 
 1.  The affordability of the housing proposed to be built. 179 
 2.  The direct benefits of the assistance to the persons 180 
who will reside in the proposed housing. 181 
 3.  The demonstrated capacity of the applicant to carry ou t 182 
the proposal, including the experience of the development team. 183 
 4.  The economic feasibility of the proposal. 184 
 5.  The extent to which the applicant demonstrates 185 
potential cost savings by combining the benefits of different 186 
governmental programs and pri vate initiatives, including the 187 
local government contributions and local government 188 
comprehensive planning and activities that promote affordable 189 
housing. 190 
 6.  The use of the least amount of program loan funds 191 
compared to overall project cost. 192 
 7.  The provision of homeownership counseling. 193 
 8.  The applicant's agreement to exceed the requirements of 194 
paragraph (e). 195 
 9.  The commitment of first mortgage financing for the 196 
balance of the construction loan and for the permanent loans to 197 
the purchasers of the ho using. 198 
 10.  The applicant's ability to proceed with construction. 199 
 11.  The targeting objectives of the corporation which will 200     
 
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ensure an equitable distribution of loans between rural and 201 
urban areas. 202 
 12.  The extent to which the proposal will further the 203 
purposes of this program. 204 
 (i)  The corporation may reject any and all applications. 205 
 (j)  The review committee established by corporation rule 206 
pursuant to this subsection shall make recommendations to the 207 
corporation board regarding program participation under this 208 
subsection. The corporation board shall make the final ranking 209 
for participation based on the scores received in the ranking, 210 
further review of the applications, and the recommendations of 211 
the review committee. The corporation board shall appro ve or 212 
reject applicants for loans and shall determine the tentative 213 
loan amount available to each program participant. The final 214 
loan amount shall be determined pursuant to rule adopted under 215 
s. 420.507(23)(h). 216 
 (3)  The corporation shall publish a notice of fund 217 
availability in a publication of general circulation throughout 218 
this the state at least 60 days before prior to the anticipated 219 
availability of funds. 220 
 (4)  There is authorized to be established by the 221 
corporation with a qualified public depository meeting the 222 
requirements of chapter 280 the Florida Homeownership Assistance 223 
Fund to be administered by the corporation according to the 224 
provisions of this pro gram. Any amounts held in the Florida 225     
 
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Homeownership Assistance Trust Fund for such purposes as of 226 
January 1, 1998, must be transferred to the corporation for 227 
deposit in the Florida Homeownership Assistance Fund, whereupon 228 
the Florida Homeownership Assistan ce Trust Fund must be closed. 229 
There shall be deposited in the fund moneys from the State 230 
Housing Trust Fund created by s. 420.0005, or moneys received 231 
from any other source, for the purpose of this program and all 232 
proceeds derived from the use of such mone ys. In addition, all 233 
unencumbered funds, loan repayments, proceeds from the sale of 234 
any property, and any other proceeds that would otherwise accrue 235 
pursuant to the activities of the programs described in this 236 
section shall be transferred to this fund. In addition, all loan 237 
repayments, proceeds from the sale of any property, and any 238 
other proceeds that would otherwise accrue pursuant to the 239 
activities conducted under the provisions of the Florida 240 
Homeownership Assistance Program shall be deposited in the fu nd 241 
and may shall not be reverted revert to the General Revenue 242 
Fund. Expenditures from the Florida Homeownership Assistance 243 
Fund are shall not be required to be included in the 244 
corporation's budget request or made be subject to appropriation 245 
by the Legislature. 246 
 (5)  No more than one -fifth of the funds available in the 247 
Florida Homeownership Assistance Fund may be made available to 248 
provide loan loss insurance reserve funds to facilitate 249 
homeownership for eligible perso ns. 250     
 
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 Section 4.  Subsections (2) and (3) of section 420.5096, 251 
Florida Statutes, are amended to read: 252 
 420.5096  Florida Hometown Hero Program. — 253 
 (2)  The Florida Hometown Hero Program is created to assist 254 
Florida's hometown workforce in attaining homeown ership by 255 
providing financial assistance to residents to purchase a home 256 
as their primary residence. Under the program, a borrower who is 257 
lawfully present in the United States may apply to the 258 
corporation for a loan to reduce the amount of the down payment 259 
and closing costs paid by the borrower by a minimum of $10,000 260 
and up to 5 percent of the first mortgage loan, not exceeding 261 
$35,000. Loans must be made available at a zero percent interest 262 
rate and must be made available for the term of the first 263 
mortgage. The balance of any loan is due at closing if the 264 
property is sold, refinanced, rented, or transferred, unless 265 
otherwise approved by the corporation. 266 
 (3)  For loans made available pursuant to s. 267 
420.507(23)(a)1. or 2., the corporation may underwrite and make 268 
those mortgage loans through the program to persons or families 269 
who are lawfully present in the United States and who have 270 
household incomes that do not exceed 150 percent of the state 271 
median income or local median income, whichever is greater. A 272 
borrower must be seeking to purchase a home as a primary 273 
residence; must be a first -time homebuyer and a Florida 274 
resident; and must be employed full -time by a Florida-based 275     
 
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employer. The borrower must provide documentation of full -time 276 
employment or full-time status for self-employed individuals. 277 
The requirement to be a first -time homebuyer does not apply to a 278 
borrower who is an active duty servicemember of a branch of the 279 
armed forces or the Florida National Guard, as defined in s. 280 
250.01, or a veteran. 281 
 Section 5.  Present subsection (5) of section 448.09, 282 
Florida Statutes, is redesignated as subsection (8), a new 283 
subsection (5) and subsections (6) and (7) are added to that 284 
section, and present subsections (3) and (4) of that section are 285 
amended, to read: 286 
 448.09  Unauthorized aliens; employment prohibited. — 287 
 (3)  For an employer that knowingly violates this section, 288 
the department shall suspend all licenses issued by a licensing 289 
agency pursuant to chapter 120 for 1 year and impose a fine not 290 
to exceed $10,000. Fines must be deposited in the Crimes 291 
Compensation Trust Fund For a violation of this section, the 292 
department shall place the employer on probation for a 1 -year 293 
period and require that the employer report quarterly to the 294 
department to demonstrate comp liance with the requirements of 295 
subsection (1) and s. 448.095 . 296 
 (4)  For an employer that knowingly violates this section a 297 
second time, the department shall suspend or revoke all licenses 298 
issued by a licensing agency pursuant to chapter 120 for 5 years 299 
and impose a fine not to exceed $100,000. Fines must be 300     
 
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deposited in the Crimes Compensation Trust Fund Any violation of 301 
this section which takes place within 24 months after a previous 302 
violation constitutes grounds for the suspension or revocation 303 
of all licenses issued by a licensing agency subject to chapter 304 
120. The department shall take the following actions for a 305 
violation involving: 306 
 (a)  One to ten unauthorized aliens, suspension of all 307 
applicable licenses held by a private employer for up to 30 days 308 
by the respective agencies that issued them. 309 
 (b)  Eleven to fifty unauthorized aliens, suspension of all 310 
applicable licenses held by a private employer for up to 60 days 311 
by the respective agencies that issued them. 312 
 (c)  More than fifty unauthorized alien s, revocation of all 313 
applicable licenses held by a private employer by the respective 314 
agencies that issued them . 315 
 (5)  For an employer that knowingly violates this section a 316 
third time, the department shall permanently revoke all licenses 317 
issued by a licensing agency pursuant to chapter 120, both for 318 
the employer personally and for the business generally, and 319 
impose a fine not to exceed $250,000. Fines must be deposited in 320 
the Crimes Compensation Trust Fund. 321 
 (6)  For an employer that knowingly violates thi s section, 322 
and an unauthorized alien employee's actions result in injuries 323 
to another person, the department shall suspend or revoke all 324 
licenses issued by a licensing agency pursuant to chapter 120 325     
 
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for 5 years and impose a fine not to exceed $100,000. Fin es must 326 
be deposited in the Crimes Compensation Trust Fund. 327 
 (7)  For an employer that knowingly violates this section, 328 
and an unauthorized alien employee's actions result in the death 329 
of another person, the department shall permanently revoke all 330 
licenses issued by a licensing agency pursuant to chapter 120 331 
and impose a fine not to exceed $500,000. Fines must be 332 
deposited in the Crimes Compensation Trust Fund. 333 
 (8)  A person injured or the next of kin of a person killed 334 
may bring a cause of action for dama ges against an employer 335 
found to be in violation in subsection (6) or subsection (7). 336 
 Section 6.  Paragraph (b) of subsection (2) of section 337 
448.095, Florida Statutes, is amended to read: 338 
 448.095  Employment eligibility. — 339 
 (2)  EMPLOYMENT VERIFICATION. — 340 
 (b)1.  A public agency shall use the E -Verify system to 341 
verify a new employee's employment eligibility as required under 342 
paragraph (a). 343 
 2.  Beginning on July 1, 2025 2023, all a private employers 344 
employer with 25 or more employees shall use the E-Verify system 345 
to verify a new employee's employment eligibility as required 346 
under paragraph (a). 347 
 3.  Each employer required to use the E -Verify system under 348 
this paragraph must certify on its first return each calendar 349 
year to the tax service provider that it is in compliance with 350     
 
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this section when making contributions to or reimbursing the 351 
state's unemployment compensation or reemployment assistance 352 
system. An employer that voluntarily uses the E -Verify system 353 
may also make such a certification on its first re turn each 354 
calendar year in order to document such use. 355 
 Section 7.  Subsection (7) is added to section 560.208, 356 
Florida Statutes, to read: 357 
 560.208  Conduct of business. —In addition to the 358 
requirements specified in s. 560.1401, a licensee under this 359 
part: 360 
 (7)(a)  May not initiate a foreign remittance transfer 361 
unless the licensee has verified that the sender is not an 362 
unauthorized alien as defined in s. 908.111. As used in this 363 
subsection, the term "foreign remittance transfer" means a 364 
remittance transfer as defined in the Electronic Fund Transfer 365 
Act, 15 U.S.C. s. 1693o -1, as amended, the recipient of which is 366 
located in any country other than the United States. The 367 
commission shall adopt rules relating to acceptable forms of 368 
documentation that a licensee shall use to verify that the 369 
sender of a foreign remittance transfer is not an unauthorized 370 
alien as defined in s. 908.111. The licensee shall provide 371 
confirmation of verification on such forms as the commission may 372 
prescribe for this purpose. All require d forms must be submitted 373 
to the office not later than the 15th day of the month following 374 
the close of each calendar quarter. 375     
 
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 (b)  Shall pay a penalty equal to 25 percent of the United 376 
States dollar amount transferred, excluding any fees or charges 377 
imposed by the licensee, for any foreign remittance transfer 378 
initiated in violation of paragraph (a). The licensee shall 379 
remit penalties owed under this paragraph quarterly to the 380 
office in addition to any such forms as the office may prescribe 381 
for such purpose. All required penalties and forms must be 382 
submitted to the office not later than the 15th day of the month 383 
following the close of each calendar quarter. Notwithstanding 384 
ss. 252.3711 and 560.144, the office shall deposit penalties 385 
collected pursuant to thi s paragraph in the Emergency 386 
Preparedness and Response Fund under s. 252.3711. 387 
Notwithstanding any other provision of this chapter, failure to 388 
comply with paragraph (a) does not subject a licensee to any 389 
penalty other than the penalty imposed by this parag raph. 390 
 Section 8.  Present paragraphs (i) and (j) of subsection 391 
(1) of section 560.211, Florida Statutes, are redesignated as 392 
paragraphs (j) and (k), and a new paragraph (i) is added to that 393 
subsection, to read: 394 
 560.211  Required records. — 395 
 (1)  In addition to the record retention requirements under 396 
s. 560.1105, each licensee under this part must make, keep, and 397 
preserve the following books, accounts, records, and documents 398 
for 5 years: 399 
 (i)  Records of: 400     
 
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 1.  The documentation used to verify that the sender of a 401 
foreign remittance transfer is not an unauthorized alien as 402 
defined in s. 908.111. 403 
 2.  Penalties paid pursuant to s. 560.208(7)(b), including 404 
the date and amount of each foreign remittance transfer and the 405 
name, date of birth, and address of each sender. 406 
 Section 9.  Section 560.2115, Florida Statutes, is created 407 
to read: 408 
 560.2115  Required records audit. — 409 
 (1)  For the purpose of enforcement of this section, the 410 
office may at any time request, and the licensee must provide, 411 
records of documentation used to verify that the sender of a 412 
foreign remittance transfer is not an unauthorized alien as 413 
defined in s. 908.111. 414 
 (2)  A person who has a good faith belief that a licensee 415 
is failing to comply with s. 560.208(7)(a) may file a complaint 416 
with the office. 417 
 (3)  A person who knowingly files a false or frivolous 418 
complaint under subsection (2), including any complaint that 419 
violates federal law, commits a misdemeanor of the second 420 
degree, punishable as provided in s. 775.082 or s. 775.083. 421 
 (4)  Upon receipt of a valid complaint substantiated by 422 
evidence of a violation of s. 560.208(7)(a), the office shall 423 
notify the licensee of the complaint and direct the licensee to 424 
pay a penalty pursuant to s. 560.208(7)(b). 425     
 
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 (5)  In addition to the requiremen ts under subsection (1), 426 
beginning July 1, 2026, the office shall conduct random 427 
quarterly audits of licensees to ensure compliance with s. 428 
560.208(7)(a). During an audit, a licensee shall produce records 429 
of the documentation used to verify that each sende r of a 430 
foreign remittance transfer is not an unauthorized alien. A 431 
licensee that fails to comply with s. 560.208(7)(a) is subject 432 
to the penalty pursuant to s. 560.208(7)(b). 433 
 (6)  Failure to comply with subsection (5) constitutes 434 
grounds for the suspensio n of all licenses held by the licensee 435 
which were issued by the office. 436 
 (7)  The office may not audit a licensee more than once 437 
every 2 years unless an audit within the last 6 months found the 438 
licensee out of compliance with s. 560.208(7)(a). 439 
 Section 10. The Office of Financial Regulation, on behalf 440 
of the Financial Services Commission, is authorized, and all 441 
conditions are deemed met, to adopt emergency rules pursuant to 442 
s. 120.54(4), Florida Statutes, to implement the provisions of 443 
this section. Notwithstanding any other provision of law, 444 
emergency rules adopted pursuant to this section are effective 445 
for 6 months after adoption and may be renewed during the 446 
pendency of procedures to adopt permanent rules addressing the 447 
subject of the emergency rules. 448 
 Section 11. If any provision of this act or its 449 
application to any person or circumstance is held invalid, the 450     
 
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invalidity does not affect other provisions or applications of 451 
this act which can be given effect without the invalid 452 
provisions or applicati on, and to this end the provisions of 453 
this act are severable. 454 
 Section 12. This act shall take effect July 1, 2025. 455