DEBT COLLECTION

Accidental Landlords on the Rise A growing number of homeowners are turning unsold homes into rental properties, creating what housing analysts call “accidental landlords.” Recent research shows this trend has reached its highest level in roughly three years as the housing market shifts in favor of buyers. The phenomenon occurs when owners who originally planned to sell a home decide instead to rent it out after failing to secure the price they expected.

FTC May Regulate Rental Fees What Landlords Need to Know About New Federal Rules Federal regulators examine pricing transparency in the rental market Federal regulators are taking a closer look at fees charged to renters, and the outcome could eventually affect landlords and property managers across the country. The U.S. Federal Trade Commission (FTC) has begun the early stages of a rulemaking process aimed at improving transparency in rental housing pricing. The agency is examining whether certain rental-related fees are being presented to consumers in ways that could be misleading or confusing. Although no final rule has been adopted, the move signals that federal regulators are increasingly interested in how rental prices and associated fees are disclosed to tenants. The FTC’s Early Rulemaking Process In early 2026, the FTC submitted an Advance Notice of Proposed Rulemaking (ANPRM) related to rental housing fees. This step starts the federal rulemaking process and allows regulators to gather information before deciding whether to propose formal regulations. If the agency moves forward, the process would include: Publication of a proposed rule A public comment period Review of industry feedback A final rule vote by the commission This process can take considerable time, and it is not certain that a final regulation will emerge. However, the issue has clearly gained attention in Washington. Why Regulators Are Interested in Rental Fees The discussion around rental housing fees is part of a broader federal campaign against what regulators often call “junk fees.” These are charges that consumers may not see until later in the purchasing process. In rental housing, examples could include: Administrative fees Mandatory technology or service packages Application processing fees Required utility or amenity fees Move-in or inspection charges Consumer advocates argue that renters should see the total cost of housing upfront, rather than discovering additional charges later in the leasing process. Landlords and property managers, on the other hand, often note that some fees reflect legitimate costs associated with operating and maintaining rental properties. Earlier FTC Action in Other Industries The FTC has already taken action in other markets where fees were not clearly disclosed. In 2024 the agency adopted regulations requiring businesses in the ticketing and short-term lodging industries to disclose mandatory charges as part of the advertised price. Although that rule did not apply to traditional long-term rental housing, it demonstrated the type of transparency rules regulators may consider in other industries—including residential rentals. Property-Management Software Also Under Scrutiny Federal regulators have also recently contacted several companies that provide property-management software used by landlords and apartment operators. The FTC raised concerns that some platforms might make it difficult for landlords to display the full monthly cost of renting a unit, including mandatory charges. The agency warned that failing to clearly disclose required fees could potentially raise issues under federal laws prohibiting unfair or deceptive business practices. What This Could Mean for Florida Landlords While the FTC proposal is federal and still in its early stages, Florida landlords should also be aware of state-level developments affecting rental fees and disclosures. Several issues in Florida already intersect with the same transparency concerns regulators are discussing in Washington. Florida Law Already Regulates Certain Fees Florida law allows landlords to charge various fees, but some charges are specifically addressed by statute. For example: Application Fees Florida law allows landlords to charge application fees for screening tenants. However, landlords should clearly disclose these charges before accepting an application. Security Deposits Florida Statute §83.49 governs how security deposits must be handled, including requirements for holding deposits in separate accounts and providing written notice to tenants. Advance Rent and Fees Landlords commonly collect first month’s rent, last month’s rent, and a security deposit at move-in. These amounts should always be clearly explained in the lease agreement. Failure to properly document these charges can sometimes lead to disputes when a tenancy ends. Local Governments Are Watching Rental Fees Although Florida has strong state preemption laws limiting local regulation of rental housing, some municipalities and advocacy groups have shown interest in issues such as: Application fees Administrative fees Late fees Mandatory service packages If federal rules emerge, these local discussions could gain additional momentum. Advertising and Pricing Transparency Another issue landlords should pay attention to is how rental prices are advertised. If federal rules eventually require that mandatory fees be included in advertised rent prices, landlords and property managers may need to adjust how they list rental properties on websites or online marketplaces. Clear and consistent pricing disclosures could become an important compliance issue. Practical Advice for Florida Landlords Even before any federal regulation is adopted, landlords can reduce risk by following a few best practices: Disclose all fees clearly. Tenants should understand every charge before signing a lease. List recurring charges in writing. Monthly service fees, technology packages, or utility pass-through charges should be spelled out in the lease. Avoid surprises during move-in. Unexpected charges are one of the most common causes of tenant complaints. Keep application fee policies consistent. Applying the same screening policies to all applicants can reduce disputes. The Bottom Line The FTC’s exploration of rental housing fees is still in its early stages, but it reflects a broader national conversation about pricing transparency in the housing market. Whether federal rules ultimately emerge or not, landlords—especially in states like Florida with active rental markets—may benefit from reviewing how their fees are disclosed and documented. Clear communication with tenants about the true cost of renting a property can help prevent misunderstandings and maintain smoother landlord-tenant relationships. Editor’s Note Some housing industry observers view the FTC’s interest in rental housing fees as potentially more significant than it may first appear. At the moment, federal regulators are focusing narrowly on fee transparency and disclosure practices. However, critics worry that this could represent the familiar regulatory pattern sometimes described as “the camel’s nose under the tent.” In other words, a limited rule addressing one issue may gradually expand into broader federal involvement in the rental housing market. Historically, residential landlord-tenant law has largely been governed at the state and local level. Landlord licensing requirements, eviction procedures, security deposit rules, and rent regulations are typically established by state legislatures and local governments. If federal agencies begin regulating pricing disclosures or rental fee structures, some property owners fear that the next steps could include additional federal standards related to: Lease terms and disclosures Tenant screening practices Fee limitations Late fee structures Eviction procedures Rent-setting policies Supporters of stronger federal oversight argue that nationwide standards could help prevent deceptive practices and make housing costs easier for renters to understand. Critics counter that expanding federal involvement could create one-size-fits-all rules that may not reflect the realities of local housing markets. At this stage, the FTC’s inquiry is limited to examining how rental fees are disclosed. But for many in the housing industry, the discussion raises a broader policy question: Should the federal government play a larger role in regulating residential rental housing, or should those decisions remain primarily with states and local communities? As the rulemaking process develops, landlords, property managers, and housing advocates across the country will be watching closely. PFH

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Fair Housing Law Landlord Responsibilities Federal fair housing laws in the United States, primarily governed by the Fair Housing Act ( FHA ) of 1968, aim to ensure equal access to housing and prohibit discrimination in housing-related activities. The FHA applies to most housing types, including rentals, sales, and financing, with limited exceptions (e.g., certain owner-occupied buildings with four or fewer units or single-family homes sold without a broker). Here’s a summary of the key points and landlord responsibilities:

A Stipulation is used to resolve disputes or address issues without going to court. Especially helpful with overdue rent situations.

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