Criminal Justice

HB 4716 increases criminal penalties for insurance fraud in Michigan based on the amount of fraudulent claims or number of claims involved. It raises maximum prison terms from 4 years to 20 years and fines up to $50,000, with higher penalties for larger frauds (e.g., $100,000+ claims or 100+ claims) or repeat offenses. The law requires courts to order restitution to victims and allows aggregating claims made within any 12-month period to determine penalty levels. This directly affects individuals committing fraud, as well as insurers or practitioners found responsible for fraudulent acts under Michigan law.

HB 4717 amends Michigan's criminal code by adding insurance fraud to the legal definition of racketeering under MCL 750.159g. This change directly affects cases involving insurance fraud, making it a specific type of racketeering offense rather than a separate crime. The key provision updates the statute to explicitly include insurance fraud within the broader racketeering definition used for prosecution. As a substantive policy change, this alters how such fraud cases are categorized and prosecuted under state law.

HB 4048 adds a new sentencing guideline for distributing intimate deepfake sexual images with aggravating circumstances, classifying it as a Class F felony punishable by up to 3 years in prison. This directly affects individuals convicted of disseminating such deepfakes, particularly those with prior offenses under Michigan law. The bill amends sentencing guidelines in Chapter XVII of the Michigan Penal Code to specifically address this crime, establishing a clear penalty framework for courts to apply. It became effective immediately upon the Governor's approval on August 26, 2025.