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MI HB5254

MI HB5254
Consumer credit: interest rates; maximum interest rate allowed for medical debt; modify. Amends sec. 3 of 1976 PA 331 (MCL 445.903). TIE BAR WITH: HB 5255'25


summary

Introduced
11/12/2025
In Committee
11/12/2025
Crossed Over
Passed
Dead

Introduced Session

103rd Legislature

Bill Summary

A bill to amend 1976 PA 331, entitled"Michigan consumer protection act,"by amending section 3 (MCL 445.903), as amended by 2022 PA 152.

AI Summary

This bill amends Michigan's Consumer Protection Act to add new provisions that protect consumers from unfair and deceptive practices. The bill primarily updates language throughout the existing law to use more gender-neutral terminology (replacing "he or she" with "the person" or "the consumer") and makes a few substantive changes. Most notably, the bill adds two new provisions to the list of prohibited practices: first, it explicitly prohibits violations of the Medical Debt Protection Act, and second, it maintains existing language about violations of specific sections of consumer protection law. The bill is tied to another piece of legislation (House Bill 5255) and will only take effect if that companion bill is also enacted. The amendments expand the state's consumer protection framework by creating additional safeguards against potential fraudulent or misleading business practices, with a particular focus on protecting consumers from potentially harmful medical debt collection tactics and ensuring more inclusive and clear language in describing consumer rights.

Committee Categories

Health and Social Services

Sponsors (15)

Last Action

Bill Electronically Reproduced 11/12/2025 (on 11/13/2025)

bill text


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