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Statement of Agency Organization and Operation

Organization of the Department of Financial Services

In 1998, voters passed a constitutional amendment combining the elected Cabinet offices of state treasurer and state comptroller into the position of Chief Financial Officer, with a four-year term as one of four Cabinet members. As amended, Article IV, section 4(c) of the Florida Constitution defines the duties of the Chief Financial Officer as follows:

The chief financial officer shall serve as the chief fiscal officer of the state, and shall settle and approve accounts against the state, and shall keep all state funds and securities.

In 2002, The Florida Legislature merged the state Departments of Insurance, Treasury and State Fire Marshal with the Department of Banking and Finance to create a new Department of Financial Services. The Chief Financial Officer is the statutory head of the Department of Financial Services, which includes the following divisions and offices: Accounting and Auditing; Consumer Services; Funeral, Cemetery, and Consumer Services; Insurance Agent and Agency Services; Investigative and Forensic Services; Public Assistance Fraud; Rehabilitation and Liquidation; Risk Management; State Fire Marshal; Treasury; Unclaimed Property; Workers’ Compensation; Administration; General Counsel; Information Systems; Insurance Consumer Advocate; Inspector General and the CFO's Executive Offices.

The Statutory responsibilities of the Department of Financial Services include:

  • Carrying out the state’s accounting and auditing functions, including preparing the state’s Comprehensive Annual Financial Report; monitoring state contracts; and making payment for state expenditures.
  • Implementing state fire prevention and control measures, including the investigation of arson and other suspicious fires; training and certification of firefighter candidates; and regulation of explosive storage and use
  • Operating the state’s risk management program and securing insurance and reinsurance for covered state liabilities
  • Managing the state Treasury and directing safekeeping and the investment of all state funds
  • Managing the deferred compensation program for state employees
  • Investigating fraud, including insurance fraud, public assistance fraud, and false claims against the state
  • Regulating cemeteries and funeral homes
  • Licensing and oversight of insurance agents and agencies
  • Ensuring that Florida employers provide workers’ compensation coverage for their employees in a cost effective manner
  • Assisting consumers in the resolution of issues pertaining to insurance and funeral services
  • Collecting and returning unclaimed property belonging to Florida residents

General Information

The Department's headquarters are located in the Larson Building, 200 East Gaines Street, Tallahassee, Florida 32399. Business hours are 8:00 a.m. to 5:00 p.m., Monday through Friday, except for legal holidays. The Department's telephone number is (850) 413-3100. The locations and contact information for all other regional offices are available at

General Description and Functions of the Department of Financial Services

Division of Accounting and Auditing - Accounting and Auditing carries out the Chief Financial Officer's constitutional duty to "settle and approve accounts against the state" by monitoring the expenditure of all appropriated public funds. The Division pays all the state’s bills, manages state payroll, processes payments for goods and services used by state agencies, promotes financial accountability throughout state government by providing information about its fiscal soundness, and investigates allegations of waste, fraud and abuse of taxpayers’ money.

Division of Consumer Services - Consumer Services offers a variety of information and resources to educate consumers regarding numerous insurance and financial topics. Our mission is to proactively educate and assist Florida’s insurance and financial consumers through responsive, professional and innovative service.

Division of Funeral, Cemetery & Consumer Services - Funeral, Cemetery and Consumer Services protects death care industry consumers purchasing preneed burial rights as well as those purchasing funeral and burial merchandise or services. It also oversees licensed establishments, facilities, and cemetery grounds by conducting annual inspections.

Division of Insurance Agent & Agency Services – Agent & Agency Services helps protect the insurance-buying public by licensing competent and trustworthy individuals and entities, and by promptly investigating alleged violations of the Florida Insurance Code and Administrative Rules by licensees or those who operate without a license.

Division of Investigative and Forensic Services - Investigative and Forensic Services encompasses all law enforcement and forensic components residing within the Department of Financial Services. With this broad responsibility, the division investigates a wide range of fraudulent and criminal acts including Insurance Fraud Investigations; Workers' Compensation Fraud Investigations; Fire, Arson and Explosives Investigations; and Fire and Explosives Sample Analysis.

Division of Public Assistance Fraud - The Division of Public Assistance Fraud safeguards the public and businesses in Florida against acts of public assistance fraud and the resulting impact those crimes have by enforcing federal and state criminal laws in relation to eligibility for public assistance.

Division of Rehabilitation and Liquidation - When appointed as a Receiver for impaired or insolvent insurance companies, Rehabilitation’s mission is to manage insurance receiverships to maximize value to claimants and the public. In Liquidation, the company’s net value is ascertained and all viable assets are recovered and distributed to claimants.

Division of Risk Management - Risk Management ensures that participating state agencies receive quality workers’ compensation, general liability, federal civil rights, employment discrimination, auto liability, and property insurance coverage at reasonable rates by providing self-insurance, purchase of insurance, claims handling, and technical assistance in managing risk.

Division of State Fire Marshal - The State Fire Marshal works to reduce the loss of life and property to fire and other disasters statewide through internal and external leadership, standards and training, and prevention and education.

Division of Treasury – The Treasury pays all state warrants (checks), keeps detailed records of all transactions involving the state’s money, and produces substantial revenue for the state through short- and intermediate-term investments. The Treasury performs cash management and custodial services for assets of the state and administers the deferred compensation program for state employees.

Division of Unclaimed Property - Florida's Unclaimed Property program holds more than $1 billion in unclaimed property - mostly from dormant accounts in financial institutions, insurance and utility companies, safe deposit boxes, and trusts. Unclaimed money goes into the State School Fund for public education. Attempts are made to locate missing property owners, and rightful owners and heirs can claim property at any time at no cost.

Division of Workers' Compensation - Workers’ Compensation ensures prompt, accurate benefit payments and appropriate and timely services to injured workers to facilitate their gainful re-employment at an equitable cost distribution to employers, in support of a viable workers’ compensation marketplace. The Division enforces workers’ compensation laws, collects, evaluates, and disseminates data, informs all parties of their rights and responsibilities, and assists in resolving claims.

Division of Administration - Administration supervises the bureaus of Personnel Management, General Services, and Financial & Support Services, thus coordinating administrative support to the Department of Financial Services.

Office of General Counsel - The Office of the General Counsel provides legal counsel and all manner of representation to the Chief Financial Officer (CFO) and to the regulatory, administrative, and support offices of the Department of Financial Services under the auspices of the CFO. Additionally, the Service of Process Section, which is the centralized depository for receiving and routing all Legal Process (summons & complaints or subpoenas), is an administrative unit within the Office of the General Counsel.

Division of Information Systems - Information Systems plans, develops, manages and operates the information technology resources for the Department of Financial Services, Office of Insurance Regulation and Office of Financial Regulation.

Insurance Consumer Advocate - The Insurance Consumer Advocate is committed to finding solutions to insurance issues facing Floridians, calling attention to questionable insurance practices, promoting a viable insurance market responsive to the needs of Florida’s diverse population, and assuring that rates are fair and justified.

Office of Inspector General – The Office of Inspector General is established in each state agency by statute to provide a central point for activities that promote accountability, integrity, and efficiency in government. Investigations are designed to detect, deter, prevent, and eradicate fraud, mismanagement, misconduct and other abuses in state government. Major responsibilities include investigations, audits, reviews, consulting, and technical assistance activities.

CFO's Executive Offices – Executive Offices include the Chief of Staff, Deputy CFOs, Cabinet Affairs, Communications, Finance and Budget, Program Management, Legislative Affairs, and Research and Planning.

Public Records Requests

Copies of publications, documents, forms, and any other public records from the Department of Financial Services, are available by request for inspection pursuant to Chapter 119, Florida Statutes. There is no charge for on-site inspection of public records. Customers have the option of obtaining copies of requested records in hard copy, electronic copy, or compact disk. Obtaining copies of documents will have a charge, which will be invoiced and must be paid before copies of documents are delivered. You can make your public records request in a variety of ways:

By Email to:

By Regular Mail to:
The Public Records Unit
Florida Department of Financial Services
200 E. Gaines Street
Tallahassee, FL 32399-0311

By Telephone: 850-413-3149

By Facsimile: 850-488-3429

A public records request does not have to be in writing
and may be anonymous.