Unknown debtor or secondary obligor.
F.S. 679.605
in effect(1)
Except as provided in subsection (2), a secured party does not owe a duty based on its status as secured party:
(a)
To a person who is a debtor or obligor, unless the secured party knows:
1.
That the person is a debtor or obligor;
2.
The identity of the person; and
3.
How to communicate with the person; or
(b)
To a secured party or lienholder that has filed a financing statement against a person, unless the secured party knows:
1.
That the person is a debtor; and
2.
The identity of the person.
(2)
A secured party owes a duty based on its status as a secured party to a person if, at the time the secured party obtains control of collateral that is a controllable account, controllable electronic record, or controllable payment intangible or at the time the security interest attaches to the collateral, whichever is later:
(a)
The person is a debtor or obligor; and
(b)
The secured party knows that the information relating to the person in subparagraph (1)(a)1., subparagraph (1)(a)2., or subparagraph (1)(a)3. is not provided by the collateral, a record attached to or logically associated with the collateral, or the system in which the collateral is recorded.
Source: FL Statutes (Official Site)URL: https://www.flsenate.gov/Laws/Statutes/2025/Chapter679/AllFetched: 7/8/2026