---
type: "Bill"
title: "Consumer credit; credit reports and reporting agencies; free security freeze for consumers; provide for. Amends title & secs. 11, 14, 17, 21, 23 & 31 of 2013 PA 229 (MCL 445.2521 et seq.)."
description: "Consumer credit; credit reports and reporting agencies; free security freeze for consumers; provide for. Amends title & secs. 11, 14, 17, 21, 23 & 31 of 2013 PA 229 (MCL 445.2521 et seq.)."
jurisdiction: "us/states/mi"
legislature: "Michigan Legislature"
session: "2017-2018"
identifier: "HB 5094"
citation: "Michigan HB 5094 (2017-2018)"
classification: ["bill"]
subjects: ["Consumer credit: credit reports and reporting agencies", "Consumer credit: unfair trade practices", "Consumer protection: identity theft"]
status: "enacted"
primary_sponsors: []
version_count: 5
action_count: 27
vote_count: 2
first_action: "2017-10-12T04:00:00+00:00"
last_action: "2018-03-20T04:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/6c249bb8-9230-48c2-adcd-41c0530ac803"
source_url: "http://legislature.mi.gov/doc.aspx?2017-HB-5094"
source_hash: "6a9266c90c68e9a22afd71174bc31df340b2a7dc30d5671ebcf6e4cdfb259f62"
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 5094 (2017-2018) — Consumer credit; credit reports and reporting agencies; free security freeze for consumers; provide for. Amends title & secs. 11, 14, 17, 21, 23 & 31 of 2013 PA 229 (MCL 445.2521 et seq.).

## 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](http://www.legislature.mi.gov/documents/2017-2018/billengrossed/House/htm/2017-HEBH-5094.htm)
2. **As Passed by the Senate** (committee substitute) — [source](http://www.legislature.mi.gov/documents/2017-2018/billengrossed/House/htm/2017-HEBS-5094.htm)
3. **House Concurred Bill** (committee substitute) — [source](http://www.legislature.mi.gov/documents/2017-2018/billconcurred/House/htm/2017-HCB-5094.htm)
4. **House Introduced Bill** (committee substitute) — [source](http://www.legislature.mi.gov/documents/2017-2018/billintroduced/House/htm/2017-HIB-5094.htm)
5. **Public Act** (committee substitute) — [source](http://www.legislature.mi.gov/documents/2017-2018/publicact/htm/2018-PA-0076.htm)

## Votes

- PASSED; GIVEN IMMEDIATE EFFECT ROLL CALL # 140 YEAS 35 NAYS 1 EXCUSED 1 NOT VOTING 0 — **35–1** (pass) · upper
- passed; given immediate effect Roll Call # 471 Yeas 107 Nays 2 — **107–2** (pass) · lower

## Sponsors

- 17 — cosponsor (person)
- Joseph Bellino — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2017-10-12T04:00:00+00:00** introduced by Representative Joseph Bellino `introduction`
- **2017-10-12T04:00:00+00:00** read a first time `reading-1`
- **2017-10-12T04:00:00+00:00** referred to Committee on Financial Services `referral-committee`
- **2017-10-17T04:00:00+00:00** bill electronically reproduced 10/12/2017
- **2017-12-06T05:00:00+00:00** reported with recommendation without amendment `committee-passage`
- **2017-12-06T05:00:00+00:00** referred to second reading
- **2017-12-12T05:00:00+00:00** read a second time `reading-2`
- **2017-12-12T05:00:00+00:00** placed on third reading
- **2017-12-12T05:00:00+00:00** placed on immediate passage
- **2017-12-12T05:00:00+00:00** read a third time `reading-3`
- **2017-12-12T05:00:00+00:00** passed; given immediate effect Roll Call # 471 Yeas 107 Nays 2 `passage`
- **2017-12-12T05:00:00+00:00** transmitted
- **2017-12-13T05:00:00+00:00** REFERRED TO COMMITTEE ON BANKING AND FINANCIAL INSTITUTIONS `referral-committee`
- **2018-02-28T05:00:00+00:00** REPORTED FAVORABLY WITHOUT AMENDMENT `committee-passage`
- **2018-02-28T05:00:00+00:00** COMMITTEE RECOMMENDED IMMEDIATE EFFECT
- **2018-02-28T05:00:00+00:00** REFERRED TO COMMITTEE OF THE WHOLE `referral-committee`
- **2018-03-07T05:00:00+00:00** REPORTED BY COMMITTEE OF THE WHOLE FAVORABLY WITHOUT AMENDMENT(S) `committee-passage`
- **2018-03-07T05:00:00+00:00** PLACED ON ORDER OF THIRD READING
- **2018-03-08T05:00:00+00:00** PASSED; GIVEN IMMEDIATE EFFECT ROLL CALL # 140 YEAS 35 NAYS 1 EXCUSED 1 NOT VOTING 0 `passage`
- **2018-03-08T05:00:00+00:00** INSERTED FULL TITLE
- **2018-03-08T05:00:00+00:00** returned from Senate without amendment with immediate effect and full title
- **2018-03-08T05:00:00+00:00** full title agreed to
- **2018-03-08T05:00:00+00:00** bill ordered enrolled
- **2018-03-13T04:00:00+00:00** presented to the Governor 3/12/2018 @ 2:30 PM `executive-receipt`
- **2018-03-20T04:00:00+00:00** approved by the Governor 3/19/2018 @ 11:59 AM `executive-signature`
- **2018-03-20T04:00:00+00:00** filed with Secretary of State 3/19/2018 @ 1:22 PM
- **2018-03-20T04:00:00+00:00** assigned PA 76'18 with immediate effect

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/6c249bb8-9230-48c2-adcd-41c0530ac803`. Confidence: reported (aggregated from official Michigan legislature records).