---
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).