{
  "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net",
  "jurisdiction": "FL",
  "name": "Florida",
  "question": "Does recording a conversation in Florida require one party's consent or all parties' consent?",
  "rule": "all-party",
  "ruleLabel": "All-party consent",
  "commonlyClassifiedAs": "all-party (two-party) consent",
  "commonLabelIsMisleading": false,
  "summary": "Florida is an all-party consent jurisdiction: every participant must consent before the conversation may be recorded.",
  "nuance": "Florida requires every party's consent, but the reach of the statute is narrower than that sounds. The prohibition only reaches an 'oral communication' as the statute defines it, which requires a justifiable expectation that the conversation is not being intercepted. For surveillance work — people recorded in car parks, waiting rooms and on public pavements — that limit frequently decides the question before the consent rule is ever reached. Massachusetts is the notable state with no such limit.",
  "nuanceIsEditorial": true,
  "nuanceVerified": false,
  "casesCited": [],
  "caseLawVerified": false,
  "caseHoldingsVerified": false,
  "caseLawNote": null,
  "statute": "Fla. Stat. § 934.03",
  "federalFloor": {
    "statute": "18 U.S.C. § 2511(2)(d)",
    "rule": "one-party",
    "url": "https://www.law.cornell.edu/uscode/text/18/2511",
    "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one."
  },
  "verification": {
    "status": "verified",
    "statusLabel": "Verified against the government source",
    "verifiedOn": "2026-09-21",
    "sourceUrl": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0900-0999/0934/Sections/0934.03.html",
    "sourcePublisher": "Florida Legislature",
    "sourceTier": "government",
    "canDetectChange": true,
    "recheckCadence": "weekly",
    "consideredStaleAfter": "90 days",
    "methodUrl": "https://theclaimsplaybook.net/law/method"
  },
  "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.",
  "citation": {
    "permalink": "https://theclaimsplaybook.net/law/recording-consent/FL",
    "title": "Florida recording consent law",
    "publisher": "The Insurance Investigator's Playbook",
    "methodUrl": "https://theclaimsplaybook.net/law/method",
    "termsUrl": "https://theclaimsplaybook.net/law/terms",
    "attributionRequired": true,
    "aiTrainingPermitted": false,
    "aiSearchPermitted": true,
    "citationText": "\"Florida recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/FL",
    "citationMarkdown": "[Florida recording consent law](https://theclaimsplaybook.net/law/recording-consent/FL) — The Insurance Investigator's Playbook"
  }
}