HB 4718 Michigan House · 2025-2026 Regular Session

Insurance: other; requirement to file a fraud report; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 4506.

HB 4718 requires Michigan insurance companies to file reports with the state about suspected insurance fraud. This directly affects all licensed insurance companies operating in Michigan, mandating them to submit specific fraud reports to the state regulator. The key provision adds Section 4506 to the insurance code, creating a new reporting obligation for insurers. The bill does not change fraud penalties or definitions but establishes a formal process for reporting suspected fraud cases. This is a procedural policy change focused on improving fraud tracking, not on altering consumer protections or insurance rates.

Bill status passed both 4 of 5 stages cleared

Introduction

Jul 2025

Committee Review

Sep 2025

House Passage

Sep 2025

Senate Passage

Sep 2025

Governor

Introduced Jul 1, 2025 Last action Sep 18, 2025

Maddy AI version diff · 2 comparisons

What changed between versions

As Passed by the House → Substitute (H-1) · 2 edits

MINOR

The bill text shows primarily formatting and house document tracking changes rather than substantive policy modifications. The version number in the header was updated from '8tuqv7' to 'v16gk8', and some spacing was adjusted in the title and enactment sections. No changes to insurance code sections, penalties, or operational requirements were identified in the provided diff.

TECHNICAL

Header tracking identifier changed from '8tuqv7' to 'v16gk8' indicating a revised version of the House substitute bill.

Minor spacing adjustments in the title and enactment sections for formatting consistency.

Floor votes · House Sep 16, 2025

How they voted

This bill passed the Senate by voice vote (no roll call recorded).

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Sep 18, 2025

Committee

REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION

upper

Sep 18, 2025

Upper · Passed

PASSED BY HOUSE WITH IMMEDIATE EFFECT

upper

Sep 16, 2025

Lower · Passed

passed; given immediate effect Roll Call #211 Yeas 102 Nays 1 Excused 0 Not Voting 7

lower

Sep 9, 2025

Lower · Passed

substitute (H-1) adopted

lower

Sep 3, 2025

Committee

referred to second reading

lower

Sep 3, 2025

Lower · Passed

reported with recommendation with substitute (H-1)

lower

Jul 1, 2025

Committee

referred to Committee on Insurance

lower

Jul 1, 2025

Introduced

introduced by Representative Rep. Joe Tate

lower

1 primary · 9 co-sponsors