Legislation: batch B — IL IN KS KY LA MA MD ME MI MN

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

legislation/us/states/mi/2023-2024/hb-4343.md

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+---
+type: "Bill"
+title: "Financial institutions: payday lending; legislative report requirement concerning deferred presentment service providers and transactions; revise. Amends sec. 51 of 2005 PA 244 (MCL 487.2171)."
+description: "Financial institutions: payday lending; legislative report requirement concerning deferred presentment service providers and transactions; revise. Amends sec. 51 of 2005 PA 244 (MCL 487.2171)."
+jurisdiction: "us/states/mi"
+legislature: "Michigan Legislature"
+session: "2023-2024"
+identifier: "HB 4343"
+citation: "Michigan HB 4343 (2023-2024)"
+classification: ["bill"]
+subjects: ["Consumer credit: collection practices", "Consumer credit: lending practices", "Financial institutions: payday lending", "Legislature: reports", "State agencies (existing): insurance and financial services"]
+status: "enacted"
+primary_sponsors: ["Jennifer Conlin"]
+version_count: 5
+action_count: 34
+vote_count: 3
+first_action: "2023-03-23"
+last_action: "2024-05-22"
+source: "openstates"
+source_identifier: "ocd-bill/f9e93276-7946-47f3-8a66-cf37ca723a28"
+source_url: "https://legislature.mi.gov/Bills/Bill?ObjectName=2023-HB-4343"
+source_hash: "1d99c070105bdd47974a3d02415fa892d28c74513b6993a86dcd5887c67b9b10"
+vintage: "2026-07-01"
+source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
+retrieved_at: "2026-07-06"
+confidence: "reported"
+tags: ["legislation", "bill", "us-mi"]
+---
+
+# Michigan HB 4343 (2023-2024) — Financial institutions: payday lending; legislative report requirement concerning deferred presentment service providers and transactions; revise. Amends sec. 51 of 2005 PA 244 (MCL 487.2171).
+
+## Version chain
+
+The bill's text revisions, in order — the diff chain from filing to enrollment.
+
+1. **As Passed by the House** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/billengrossed/House/pdf/2023-HEBH-4343.pdf)
+2. **As Passed by the Senate** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/billengrossed/House/pdf/2023-HEBS-4343.pdf)
+3. **House Concurred Bill** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/billconcurred/House/pdf/2023-HCB-4343.pdf)
+4. **House Introduced Bill** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/billintroduced/House/pdf/2023-HIB-4343.pdf)
+5. **Public Act** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/publicact/pdf/2024-PA-0046.pdf)
+
+## Votes
+
+- passed; given immediate effect Roll Call # 207 Yeas 97 Nays 12 Excused 0 Not Voting 1 — **97–12** (pass) · lower
+- roll call Roll Call # 81 Yeas 96 Nays 11 Excused 0 Not Voting 3 — **96–11** (pass) · lower
+- PASSED ROLL CALL # 59 YEAS 38 NAYS 0 EXCUSED 0 NOT VOTING 0 — **38–0** (pass) · upper
+
+## Sponsors
+
+- Jennifer Conlin — primary (person)
+- Brenda Carter — cosponsor (person)
+- Carol Glanville — cosponsor (person)
+- Christine Morse — cosponsor (person)
+- Dylan Wegela — cosponsor (person)
+- Emily Dievendorf — cosponsor (person)
+- James DeSana — cosponsor (person)
+- Jason Morgan — cosponsor (person)
+- Jasper Martus — cosponsor (person)
+- Jenn Hill — cosponsor (person)
+- Jim Haadsma — cosponsor (person)
+- Jimmie Wilson Jr. — cosponsor (person)
+- Julie Rogers — cosponsor (person)
+- Natalie Price — cosponsor (person)
+- Phil Skaggs — cosponsor (person)
+- Rachel Hood — cosponsor (person)
+- Stephanie A. Young — cosponsor (person)
+- Veronica Paiz — cosponsor (person)
+
+## Timeline
+
+The legislative action history — every referral, reading, and vote.
+
+- **2023-03-23** introduced by Representative Jennifer Conlin `introduction`
+- **2023-03-23** read a first time `reading-1`
+- **2023-03-23** referred to Committee on Insurance and Financial Services `referral-committee`
+- **2023-04-11** bill electronically reproduced 03/23/2023
+- **2023-05-18** reported with recommendation with substitute (H-1) `committee-passage`
+- **2023-05-18** referred to second reading
+- **2023-06-21** read a second time `reading-2`
+- **2023-06-21** substitute (H-1) adopted
+- **2023-06-21** substitute (H-2) adopted
+- **2023-06-21** placed on third reading
+- **2023-06-22** read a third time `reading-3`
+- **2023-06-22** passed; given immediate effect Roll Call # 207 Yeas 97 Nays 12 Excused 0 Not Voting 1 `passage`
+- **2023-06-22** transmitted
+- **2023-06-27** PASSED BY HOUSE WITH IMMEDIATE EFFECT `passage`
+- **2023-06-27** REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION `referral-committee`
+- **2024-03-07** REPORTED FAVORABLY WITH SUBSTITUTE (S-1) `committee-passage`
+- **2024-03-07** REFERRED TO COMMITTEE OF THE WHOLE WITH SUBSTITUTE (S-1) `referral-committee`
+- **2024-03-13** REPORTED BY COMMITTEE OF THE WHOLE FAVORABLY WITH SUBSTITUTE (S-1) `committee-passage`
+- **2024-03-13** SUBSTITUTE (S-1) CONCURRED IN
+- **2024-03-13** PLACED ON ORDER OF THIRD READING WITH SUBSTITUTE (S-1)
+- **2024-03-14** SUBSTITUTE (S-2) ADOPTED
+- **2024-03-14** PASSED ROLL CALL # 59 YEAS 38 NAYS 0 EXCUSED 0 NOT VOTING 0 `passage`
+- **2024-03-14** INSERTED FULL TITLE
+- **2024-03-14** RETURNED TO HOUSE
+- **2024-03-14** returned from Senate with substitute (S-2) with full title
+- **2024-03-14** laid over one day under the rules
+- **2024-05-09** Senate substitute (S-2) concurred in
+- **2024-05-09** roll call Roll Call # 81 Yeas 96 Nays 11 Excused 0 Not Voting 3
+- **2024-05-09** full title agreed to
+- **2024-05-09** bill ordered enrolled
+- **2024-05-15** presented to the Governor 05/15/2024 10:36 AM `executive-receipt`
+- **2024-05-22** approved by the Governor 05/22/2024 11:08 AM `executive-signature`
+- **2024-05-22** filed with Secretary of State 05/22/2024 01:50 PM
+- **2024-05-22** assigned PA 46'24
+
+## Source
+
+OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/f9e93276-7946-47f3-8a66-cf37ca723a28`. Confidence: reported (aggregated from official Michigan legislature records).
+