Beginning July 1, 2026, another important probate law change took effect in Florida giving appointed Personal Representatives more power when a bank or other institution refuses to honor the court issued Letters of Administration. While much attention has focused on the increased Summary Administration qualification threshold, this second change addresses a common frustration faced by many personal representatives: financial institutions refusing to honor valid Letters of Administration.

A Common Probate Challenge

Many personal representatives have experienced delays or additional hurdles when dealing with financial institutions despite having valid Letters of Administration issued directly from the probate court.

These delays can slow down estate administration and create unnecessary stress during an already difficult time. The new law is Florida’s direct response to this pattern.

Why This Matters

Personal representatives carry an important responsibility after they are issued the Letters of Administration. The Personal Representative is tasked with gathering estate assets, notifying creditors, paying valid debts, and distributing estate property according to the law. When banks or financial institutions create unnecessary obstacles, estate administration becomes more expensive and time-consuming, and the beneficiaries waiting on the estate assets to be distributed bear that cost.

The new law aims to reduce barriers and provide greater certainty for personal representatives carrying out their duties so Florida families can settle estates with less friction and more peace of mind.