---
type: "Bill"
title: "Consumer protection: retail installment sales; payments under motor vehicle installment sale contracts; modify. Amends secs. 2, 12, 13, 22 & 31 of 1950 (Ex Sess) PA 27 (MCL 492.102 et seq.)."
description: "Consumer protection: retail installment sales; payments under motor vehicle installment sale contracts; modify. Amends secs. 2, 12, 13, 22 & 31 of 1950 (Ex Sess) PA 27 (MCL 492.102 et seq.)."
jurisdiction: "us/states/mi"
legislature: "Michigan Legislature"
session: "2023-2024"
identifier: "HB 5460"
citation: "Michigan HB 5460 (2023-2024)"
classification: ["bill"]
subjects: ["Consumer protection: retail installment sales", "Trade: vehicles"]
status: "enacted"
primary_sponsors: ["Alabas Farhat"]
version_count: 7
action_count: 32
vote_count: 2
first_action: "2024-02-21"
last_action: "2024-07-30"
source: "openstates"
source_identifier: "ocd-bill/0210e9e6-73d3-44ec-bb65-8992964eb533"
source_url: "https://legislature.mi.gov/Bills/Bill?ObjectName=2024-HB-5460"
source_hash: "6aa7e86ee96b3a5f17d49252f3938979502f3a6841689a06144eee18c1304d13"
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 5460 (2023-2024) — Consumer protection: retail installment sales; payments under motor vehicle installment sale contracts; modify. Amends secs. 2, 12, 13, 22 & 31 of 1950 (Ex Sess) PA 27 (MCL 492.102 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](https://legislature.mi.gov/documents/2023-2024/billengrossed/House/pdf/2024-HEBH-5460.pdf)
2. **As Passed by the Senate** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/billengrossed/House/pdf/2024-HEBS-5460.pdf)
3. **House Concurred Bill** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/billconcurred/House/pdf/2024-HCB-5460.pdf)
4. **House Introduced Bill** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/billintroduced/House/pdf/2024-HIB-5460.pdf)
5. **Public Act** (committee substitute) — [source](https://legislature.mi.gov/documents/2023-2024/publicact/pdf/2024-PA-0094.pdf)
6. **Substitute (H-3)** (committee substitute) — [source](https://legislature.mi.gov/Home/GetObject?objectName=2024-HCVBS-5460-0N295.pdf)
7. **Substitute (H-3) - 2** (committee substitute) — [source](https://legislature.mi.gov/Home/GetObject?objectName=2024-HCVBS-5460-0O338.pdf)

## Votes

- PASSED; GIVEN IMMEDIATE EFFECT ROLL CALL # 291 YEAS 36 NAYS 2 EXCUSED 0 NOT VOTING 0 — **36–2** (pass) · upper
- passed; given immediate effect Roll Call # 145 Yeas 80 Nays 27 Excused 0 Not Voting 3 — **80–25** (pass) · lower

## Sponsors

- Alabas Farhat — primary (person)
- Carrie Rheingans — cosponsor (person)
- Emily Dievendorf — cosponsor (person)
- Graham Filler — cosponsor (person)
- Jim Haadsma — cosponsor (person)
- Rachel Hood — cosponsor (person)
- Tyrone Carter — cosponsor (person)

## Timeline

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

- **2024-02-21** introduced by Representative Alabas Farhat `introduction`
- **2024-05-14** referred to second reading
- **2024-06-05** REASSIGNED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION
- **2024-02-21** read a first time `reading-1`
- **2024-02-21** referred to Committee on Regulatory Reform `referral-committee`
- **2024-02-22** bill electronically reproduced 02/21/2024
- **2024-05-14** reported with recommendation with substitute (H-3) `committee-passage`
- **2024-05-14** referred to second reading
- **2024-05-22** read a second time `reading-2`
- **2024-05-22** substitute (H-3) adopted
- **2024-05-22** placed on third reading
- **2024-05-23** read a third time `reading-3`
- **2024-05-23** passed; given immediate effect Roll Call # 145 Yeas 80 Nays 27 Excused 0 Not Voting 3 `passage`
- **2024-05-23** title amended
- **2024-05-23** transmitted
- **2024-05-30** REFERRED TO COMMITTEE ON TRANSPORTATION AND INFRASTRUCTURE `referral-committee`
- **2024-06-05** DISCHARGE COMMITTEE APPROVED
- **2024-06-05** PLACED ON ORDER OF GENERAL ORDERS
- **2024-06-05** REASSIGNED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION
- **2024-06-25** REPORTED FAVORABLY WITHOUT AMENDMENT `committee-passage`
- **2024-06-25** REFERRED TO COMMITTEE OF THE WHOLE `referral-committee`
- **2024-06-25** REPORTED BY COMMITTEE OF THE WHOLE FAVORABLY WITHOUT AMENDMENT(S) `committee-passage`
- **2024-06-25** PLACED ON ORDER OF THIRD READING
- **2024-06-26** PASSED; GIVEN IMMEDIATE EFFECT ROLL CALL # 291 YEAS 36 NAYS 2 EXCUSED 0 NOT VOTING 0 `passage`
- **2024-06-26** INSERTED FULL TITLE
- **2024-06-26** returned from Senate without amendment with immediate effect and full title
- **2024-06-26** full title agreed to
- **2024-06-26** bill ordered enrolled
- **2024-06-27** presented to the Governor 07/11/2024 01:26 PM `executive-receipt`
- **2024-07-30** approved by the Governor 07/23/2024 09:56 AM `executive-signature`
- **2024-07-30** filed with Secretary of State 07/23/2024 11:56 AM
- **2024-07-30** assigned PA 94'24 with immediate effect

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/0210e9e6-73d3-44ec-bb65-8992964eb533`. Confidence: reported (aggregated from official Michigan legislature records).