Fabio
88 lines
5.1 KiB
Markdown
88 lines
5.1 KiB
Markdown
---
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type: "Bill"
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title: "Consumer credit: other; credit services protection act; modify exceptions to prohibited conduct provision. Amends sec. 3 of 1994 PA 160 (MCL 445.1823)."
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description: "Consumer credit: other; credit services protection act; modify exceptions to prohibited conduct provision. Amends sec. 3 of 1994 PA 160 (MCL 445.1823)."
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jurisdiction: "us/states/mi"
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legislature: "Michigan Legislature"
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session: "2019-2020"
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identifier: "HB 4411"
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citation: "Michigan HB 4411 (2019-2020)"
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classification: ["bill"]
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subjects: ["Consumer credit: other", "Consumer protection: other", "Financial institutions: generally"]
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status: "enacted"
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primary_sponsors: []
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version_count: 5
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action_count: 28
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vote_count: 2
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first_action: "2019-03-21T04:00:00+00:00"
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last_action: "2020-01-28T05:00:00+00:00"
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source: "openstates"
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source_identifier: "ocd-bill/d84ca578-2b90-4fa5-aa03-1b5358ac6f2d"
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source_url: "http://legislature.mi.gov/doc.aspx?2019-HB-4411"
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source_hash: "9f06d66711f294e6fb6beaddb71bdcef74e2c038177ae2b6653a847493009a76"
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vintage: "2026-07-01"
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source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
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retrieved_at: "2026-07-06"
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confidence: "reported"
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tags: ["legislation", "bill", "us-mi"]
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---
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# 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).
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## Version chain
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The bill's text revisions, in order — the diff chain from filing to enrollment.
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1. **As Passed by the House** (committee substitute) — [source](http://legislature.mi.gov/documents/2019-2020/billengrossed/House/htm/2019-HEBH-4411.htm)
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2. **As Passed by the Senate** (committee substitute) — [source](http://legislature.mi.gov/documents/2019-2020/billengrossed/House/htm/2019-HEBS-4411.htm)
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3. **House Concurred Bill** (committee substitute) — [source](http://legislature.mi.gov/documents/2019-2020/billconcurred/House/htm/2019-HCB-4411.htm)
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4. **House Introduced Bill** (committee substitute) — [source](http://legislature.mi.gov/documents/2019-2020/billintroduced/House/htm/2019-HIB-4411.htm)
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5. **Public Act** (committee substitute) — [source](http://legislature.mi.gov/documents/2019-2020/publicact/htm/2020-PA-0013.htm)
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## Votes
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- PASSED; GIVEN IMMEDIATE EFFECT ROLL CALL # 11 YEAS 37 NAYS 1 EXCUSED 0 NOT VOTING 0 — **37–1** (pass) · upper
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- passed; given immediate effect Roll Call # 171 Yeas 108 Nays 1 Excused 0 Not Voting 1 — **108–1** (pass) · lower
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## Sponsors
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- Jim Lilly — cosponsor (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2019-03-21T04:00:00+00:00** introduced by Representative Jim Lilly `introduction`
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- **2019-03-21T04:00:00+00:00** read a first time `reading-1`
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- **2019-03-21T04:00:00+00:00** referred to Committee on Regulatory Reform `referral-committee`
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- **2019-04-09T04:00:00+00:00** bill electronically reproduced 04/09/2019
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- **2019-05-21T04:00:00+00:00** reported with recommendation for referral to Committee on Judiciary with substitute `committee-passage`
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- **2019-06-18T04:00:00+00:00** reported with recommendation with substitute (H-2) `committee-passage`
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- **2019-06-18T04:00:00+00:00** referred to second reading
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- **2019-06-19T04:00:00+00:00** read a second time `reading-2`
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- **2019-06-19T04:00:00+00:00** substitute (H-2) adopted
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- **2019-06-19T04:00:00+00:00** placed on third reading
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- **2019-06-20T04:00:00+00:00** read a third time `reading-3`
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- **2019-06-20T04:00:00+00:00** passed; given immediate effect Roll Call # 171 Yeas 108 Nays 1 Excused 0 Not Voting 1 `passage`
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- **2019-06-20T04:00:00+00:00** transmitted
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- **2019-08-20T04:00:00+00:00** REFERRED TO COMMITTEE ON INSURANCE AND BANKING `referral-committee`
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- **2019-12-19T05:00:00+00:00** REPORTED FAVORABLY WITHOUT AMENDMENT `committee-passage`
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- **2019-12-19T05:00:00+00:00** COMMITTEE RECOMMENDED IMMEDIATE EFFECT
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- **2019-12-19T05:00:00+00:00** REFERRED TO COMMITTEE OF THE WHOLE `referral-committee`
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- **2020-01-09T05:00:00+00:00** REPORTED BY COMMITTEE OF THE WHOLE FAVORABLY WITHOUT AMENDMENT(S) `committee-passage`
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- **2020-01-09T05:00:00+00:00** PLACED ON ORDER OF THIRD READING
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- **2020-01-14T05:00:00+00:00** PASSED; GIVEN IMMEDIATE EFFECT ROLL CALL # 11 YEAS 37 NAYS 1 EXCUSED 0 NOT VOTING 0 `passage`
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- **2020-01-14T05:00:00+00:00** INSERTED FULL TITLE
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- **2020-01-14T05:00:00+00:00** returned from Senate without amendment with immediate effect and full title
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- **2020-01-14T05:00:00+00:00** full title agreed to
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- **2020-01-14T05:00:00+00:00** bill ordered enrolled
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- **2020-01-16T05:00:00+00:00** presented to the Governor 01/16/2020 11:46 AM `executive-receipt`
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- **2020-01-28T05:00:00+00:00** approved by the Governor 01/27/2020 01:47 PM `executive-signature`
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- **2020-01-28T05:00:00+00:00** filed with Secretary of State 01/27/2020 03:18 PM
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- **2020-01-28T05:00:00+00:00** assigned PA 13'20 with immediate effect
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## Source
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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).
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