Any person who violates this paragraph commits a felony of the third degree, punishable as provided in s. 775.082 or s. 775.083, or, if a corporation, as provided in s. 775.083.Florida Real Estate License Law requires that an individual who, for another, in Florida , for Compensation* or valuable consideration will need a real estate license if they perform any of the following when dealing with real property: AppraisesAuctionsSellsExchangesRentsNegotiates a saleAdvertises or represents as an individual involved in the real estate business, through either oral or written representationProcures sellers, purchasers, lessors, business enterprises or business opportunitiesCloses any transaction which results in or is calculated to result in a sale or exchange and who expects to receive ANY compensation or valuable considerationReal property or real estate means any interest or estate in land, or enterprise or business opportunity, including any assignment, leasehold, sub-leasehold or mineral rights.

Check out the websites you can click on just from users on this thread for evidence of that.2) We did not make this change to punish people. 

Now that violation may not count as criminal, but its still breaking a law and the punishment is a fine and its illegal behavior. 

I'm not sure what that is, but if what you're doing with the lender is not completely true, then you may be committing mortgage fraud which is punishable with jail and big fines. 

Government regulations like this will only serve to punish good Landlords trying to do the right thing. 

Focus your energy on finding someone new, not punishing someone for a few dollars.

Because higher class means less punishment potential for being poor at all the other things that TRULY matter most, HOW YOU OPERATE. 

The lenders I have historically worked with have not punished my rates for new construction, cash outs, etc.

There will be punishing late fees and probably a default interest rate.

GCE encourages poor behavior in tenants and punishes good tenants that are following the rules.