{"asOf":"2026-09-05","merchant":"SSDF INC","kind":"clerk","id":"fl_ofr","title":"Florida OFR","kicker":"Ch. 560 clerk","body":"Office of Financial Regulation. Money transmitters, payment-instrument sellers, and (after HB 273, effective 1 Jan 2023) virtual-currency transmission. Florida has no statutory agent-of-the-payee exemption of the Texas/California type. Closed-loop store credit redeemable only at SSDF is the existing posture for Desk Credits.","url":"https://flofr.gov/"}