HB 4719 Michigan House · 2025-2026 Regular Session

Insurance: other; civil penalties for violations; allow. Amends sec. 150 of 1956 PA 218 (MCL 500.150).

HB 4719 amends Michigan's Insurance Code to adjust civil penalties for insurance violations. It increases the maximum fine for knowing violations from $1,000 to $5,000 per violation (capped at $50,000 total) and clarifies that violations include non-compliant filings under specific insurance chapters. The bill directly affects insurance professionals who breach the code, allowing the director to order fines, license suspensions, or cease-and-desist actions. It also specifies that fines under this section can be imposed alongside other penalties like restitution for certain violations.

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 · 1 comparison

What changed between versions

House Introduced Bill → As Passed by the House · 4 edits · Sep 16, 2025

MODERATE

The bill was rewritten in a more formal legislative format, but the substantive policy content remains largely the same. The main change is the reorganization of penalty provisions, with a new subsection (3) added that allows for a $20,000 fine for knowingly violating cease and desist orders, while subsection (1) now details graduated fines for general violations ($1,000 to $5,000 depending on knowledge of violation).

ENFORCEMENT

Penalty structure was reorganized into subsections (1) and (3), separating general violations from knowingly violating cease and desist orders.

New subsection (3) explicitly authorizes a $20,000 fine for knowingly violating cease and desist orders after notice and hearing.

Subsection (1) now specifies graduated fines ranging from $1,000 to $5,000 based on whether the violator knew or should have known about the violation.

TECHNICAL

Document formatting was standardized from informal draft format to formal legislative text format.

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 #212 Yeas 102 Nays 1 Excused 0 Not Voting 7

lower

Sep 3, 2025

Committee

referred to second reading

lower

Sep 3, 2025

Lower · Passed

reported with recommendation without amendment

lower

Jul 1, 2025

Committee

referred to Committee on Insurance

lower

Jul 1, 2025

Introduced

introduced by Representative Rep. Joseph Aragona

lower

1 primary · 9 co-sponsors