---
type: "Bill"
title: "Consumer credit: other; credit services protection act; modify exceptions to prohibited conduct provision. Amends sec. 3 of 1994 PA 160 (MCL 445.1823)."
description: "Consumer credit: other; credit services protection act; modify exceptions to prohibited conduct provision. Amends sec. 3 of 1994 PA 160 (MCL 445.1823)."
jurisdiction: "us/states/mi"
legislature: "Michigan Legislature"
session: "2019-2020"
identifier: "HB 4411"
citation: "Michigan HB 4411 (2019-2020)"
classification: ["bill"]
subjects: ["Consumer credit: other", "Consumer protection: other", "Financial institutions: generally"]
status: "enacted"
primary_sponsors: []
version_count: 5
action_count: 28
vote_count: 2
first_action: "2019-03-21T04:00:00+00:00"
last_action: "2020-01-28T05:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/d84ca578-2b90-4fa5-aa03-1b5358ac6f2d"
source_url: "http://legislature.mi.gov/doc.aspx?2019-HB-4411"
source_hash: "9f06d66711f294e6fb6beaddb71bdcef74e2c038177ae2b6653a847493009a76"
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 4411 (2019-2020) — Consumer credit: other; credit services protection act; modify exceptions to prohibited conduct provision. Amends sec. 3 of 1994 PA 160 (MCL 445.1823).

## 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://legislature.mi.gov/documents/2019-2020/billengrossed/House/htm/2019-HEBH-4411.htm)
2. **As Passed by the Senate** (committee substitute) — [source](http://legislature.mi.gov/documents/2019-2020/billengrossed/House/htm/2019-HEBS-4411.htm)
3. **House Concurred Bill** (committee substitute) — [source](http://legislature.mi.gov/documents/2019-2020/billconcurred/House/htm/2019-HCB-4411.htm)
4. **House Introduced Bill** (committee substitute) — [source](http://legislature.mi.gov/documents/2019-2020/billintroduced/House/htm/2019-HIB-4411.htm)
5. **Public Act** (committee substitute) — [source](http://legislature.mi.gov/documents/2019-2020/publicact/htm/2020-PA-0013.htm)

## Votes

- PASSED; GIVEN IMMEDIATE EFFECT ROLL CALL # 11 YEAS 37 NAYS 1 EXCUSED 0 NOT VOTING 0 — **37–1** (pass) · upper
- passed; given immediate effect Roll Call # 171 Yeas 108 Nays 1 Excused 0 Not Voting 1 — **108–1** (pass) · lower

## Sponsors

- Jim Lilly — cosponsor (person)

## Timeline

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

- **2019-03-21T04:00:00+00:00** introduced by Representative Jim Lilly `introduction`
- **2019-03-21T04:00:00+00:00** read a first time `reading-1`
- **2019-03-21T04:00:00+00:00** referred to Committee on Regulatory Reform `referral-committee`
- **2019-04-09T04:00:00+00:00** bill electronically reproduced 04/09/2019
- **2019-05-21T04:00:00+00:00** reported with recommendation for referral to Committee on Judiciary with substitute `committee-passage`
- **2019-06-18T04:00:00+00:00** reported with recommendation with substitute (H-2) `committee-passage`
- **2019-06-18T04:00:00+00:00** referred to second reading
- **2019-06-19T04:00:00+00:00** read a second time `reading-2`
- **2019-06-19T04:00:00+00:00** substitute (H-2) adopted
- **2019-06-19T04:00:00+00:00** placed on third reading
- **2019-06-20T04:00:00+00:00** read a third time `reading-3`
- **2019-06-20T04:00:00+00:00** passed; given immediate effect Roll Call # 171 Yeas 108 Nays 1 Excused 0 Not Voting 1 `passage`
- **2019-06-20T04:00:00+00:00** transmitted
- **2019-08-20T04:00:00+00:00** REFERRED TO COMMITTEE ON INSURANCE AND BANKING `referral-committee`
- **2019-12-19T05:00:00+00:00** REPORTED FAVORABLY WITHOUT AMENDMENT `committee-passage`
- **2019-12-19T05:00:00+00:00** COMMITTEE RECOMMENDED IMMEDIATE EFFECT
- **2019-12-19T05:00:00+00:00** REFERRED TO COMMITTEE OF THE WHOLE `referral-committee`
- **2020-01-09T05:00:00+00:00** REPORTED BY COMMITTEE OF THE WHOLE FAVORABLY WITHOUT AMENDMENT(S) `committee-passage`
- **2020-01-09T05:00:00+00:00** PLACED ON ORDER OF THIRD READING
- **2020-01-14T05:00:00+00:00** PASSED; GIVEN IMMEDIATE EFFECT ROLL CALL # 11 YEAS 37 NAYS 1 EXCUSED 0 NOT VOTING 0 `passage`
- **2020-01-14T05:00:00+00:00** INSERTED FULL TITLE
- **2020-01-14T05:00:00+00:00** returned from Senate without amendment with immediate effect and full title
- **2020-01-14T05:00:00+00:00** full title agreed to
- **2020-01-14T05:00:00+00:00** bill ordered enrolled
- **2020-01-16T05:00:00+00:00** presented to the Governor 01/16/2020 11:46 AM `executive-receipt`
- **2020-01-28T05:00:00+00:00** approved by the Governor 01/27/2020 01:47 PM `executive-signature`
- **2020-01-28T05:00:00+00:00** filed with Secretary of State 01/27/2020 03:18 PM
- **2020-01-28T05:00:00+00:00** assigned PA 13'20 with immediate effect

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/d84ca578-2b90-4fa5-aa03-1b5358ac6f2d`. Confidence: reported (aggregated from official Michigan legislature records).