MICHIGAN LEGISLATURE(legislature.mi.gov)
Printed on 12/1/2025
Michigan Compiled Laws Complete Through PA 35 of 2025

Senate Bill 578 of 2015 (Public Act 44 of 2016)

Sponsors

Categories

Consumer credit: predatory lending; Financial institutions: generally; Property: mortgages; State agencies (existing): insurance and financial services
Consumer credit; predatory lending; mortgage borrowers' bill of rights; modify to refer to federal home loan publications. Amends secs. 2, 6 & 13 of 2002 PA 660 (MCL 445.1632 et seq.) & repeals sec. 7 of 2002 PA 660 (MCL 445.1637).

Documents

[PDF] [HTML] Senate Introduced Bill
Introduced bills appear as they were introduced and reflect no subsequent amendments or changes
[PDF] [HTML] As Passed by the Senate
The As Passed by the Senate version is the bill, as introduced, that includes any adoped Senate amendments
[PDF] [HTML] As Passed by the House
The As Passed by the House version is the bill, as introduced, that includes any adoped House amendments
[PDF] [HTML] Senate Concurred Bill
The Concurred Bill is the version passed in identical form by both houses of the Legislature, issues prior to availability of the Enrolled Bill
[PDF] [HTML] Public Act
A Public Act is a bill that has become law

Analysis

Senate Fiscal Agency Analysis

[PDF] [HTML] SUMMARY OF INTRODUCED BILL IN COMMITTEE (Date Completed: 10-26-15)
This document analyzes SB0578
[PDF] [HTML] SUMMARY OF BILL REPORTED FROM COMMITTEE (Date Completed: 11-13-15)
This document analyzes SB0578
[PDF] [HTML] SUMMARY OF BILL ON THIRD READING (Date Completed: 12-9-15)
This document analyzes SB0578
[PDF] [HTML] ANALYSIS AS PASSED BY THE SENATE (Date Completed: 1-22-16)
This document analyzes SB0578
[PDF] [HTML] ANALYSIS AS ENACTED (Date Completed: 1-11-17)
This document analyzes SB0578

House Fiscal Agency Analysis

[Summary as Passed by the Senate (2/2/2016) PDF] [Summary as Passed by the Senate (2/2/2016) HTML] Summary as Passed by the Senate (2/2/2016)
This document analyzes SB578

History

(House actions in lowercase, Senate actions in UPPERCASE)
Note: A page number of 0 indicates that the page number is coming soon
Date Journal Action
10/22/2015 SJ 96 Pg. 1714 INTRODUCED BY SENATOR DARWIN BOOHER
10/22/2015 SJ 96 Pg. 1714 REFERRED TO COMMITTEE ON BANKING AND FINANCIAL INSTITUTIONS
12/01/2015 SJ 104 Pg. 1886 REPORTED FAVORABLY WITHOUT AMENDMENT
12/01/2015 SJ 104 Pg. 1886 COMMITTEE RECOMMENDED IMMEDIATE EFFECT
12/01/2015 SJ 104 Pg. 1886 REFERRED TO COMMITTEE OF THE WHOLE
12/09/2015 SJ 108 Pg. 1950 REPORTED BY COMMITTEE OF THE WHOLE FAVORABLY WITH AMENDMENT(S)
12/09/2015 SJ 108 Pg. 1950 AMENDMENT(S) CONCURRED IN
12/09/2015 SJ 108 Pg. 1950 PLACED ON ORDER OF THIRD READING WITH AMENDMENT(S)
12/10/2015 SJ 109 Pg. 1977 PASSED ROLL CALL # 577 YEAS 38 NAYS 0 EXCUSED 0 NOT VOTING 0
12/10/2015 HJ 100 Pg. 2163 received on 12/10/2015
12/10/2015 HJ 100 Pg. 2165 read a first time
12/10/2015 HJ 100 Pg. 2165 referred to Committee on Financial Services
2/10/2016 HJ 13 Pg. 173 reported with recommendation with substitute H-1
2/10/2016 HJ 13 Pg. 173 referred to second reading
2/18/2016 HJ 17 Pg. 236 read a second time
2/18/2016 HJ 17 Pg. 236 substitute H-1 adopted
2/18/2016 HJ 17 Pg. 236 placed on third reading
2/23/2016 HJ 18 Pg. 249 read a third time
2/23/2016 HJ 18 Pg. 249 passed Roll Call # 56 Yeas 96 Nays 10
2/23/2016 HJ 18 Pg. 249 inserted full title
2/23/2016 HJ 18 Pg. 249 vote on passage reconsidered
2/23/2016 HJ 18 Pg. 249 passed; given immediate effect Roll Call # 57 Yeas 93 Nays 13
2/23/2016 HJ 18 Pg. 249 returned to Senate
2/24/2016 SJ 19 Pg. 245 HOUSE SUBSTITUTE H-1 CONCURRED IN
2/24/2016 SJ 19 Pg. 245 ROLL CALL # 75 YEAS 36 NAYS 0 EXCUSED 2 NOT VOTING 0
2/24/2016 SJ 19 Pg. 245 GIVEN IMMEDIATE EFFECT
2/24/2016 SJ 19 Pg. 245 FULL TITLE AGREED TO
2/24/2016 SJ 19 Pg. 245 ORDERED ENROLLED
3/08/2016 SJ 24 Pg. 306 PRESENTED TO GOVERNOR 3/3/2016 @ 4:46 PM
3/16/2016 SJ 28 Pg. 356 APPROVED BY GOVERNOR 3/15/2016 @ 11:52 AM
3/16/2016 SJ 28 Pg. 356 FILED WITH SECRETARY OF STATE 3/15/2016 @ 1:42 PM
3/16/2016 SJ 28 Pg. 356 ASSIGNED PA 0044'16 WITH IMMEDIATE EFFECT