Housing

in committee · Michigan · Senate Jul 29, 2026

SB 1126: Housing: residential; limitations on rental property owned by certain limited liability companies; provide for. Amends title of 1993 PA 23 (MCL 450.4101 - 450.5200) & adds sec. 217. TIE BAR WITH: SB 1127'26

Michigan Senate Bill 1126 prohibits limited liability companies that own 100 or more single-family homes in the state from leasing those properties to residential tenants. The bill defines a single-family home broadly to include detached houses, semidetached structures, and units within buildings where all units are owned by one person or each unit is individually owned, such as condominiums. Any company that violates this restriction faces a civil fine of up to $100,000, which must be deposited into the state's community housing stability fund. The bill takes effect only if its companion measure, Senate Bill 1127, is also enacted into law.

Topics ✗ HousingOpposes HousingBill prohibits large LLCs from leasing single-family homes, restricting housing development and limiting rental supply options for tenants.85% confidence

Sub-Topics Landlords Tenant Rights

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in committee · Michigan · Senate Aug 26, 2026

SB 1128: Insurance: property and casualty; grants for certain properties to resist loss due to common weather-related perils; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding ch. 29A.

Michigan Senate Bill 1128 establishes the "Strengthen MI Homes" program to provide grants for retrofitting owner-occupied, single-family homes to meet fortified roof standards that resist weather-related perils such as tornadoes and hail. To qualify, homeowners must have a homestead exemption, obtain an evaluation from a certified inspector, and hire a licensed contractor who meets specific insurance and training requirements. The bill creates the Strengthen MI Home Fund within the Department of Treasury to finance these grants and administrative costs, though the program only operates if the legislature appropriates sufficient funding. Grant payments are released directly to contractors only after a final inspection confirms the home meets the required safety standards, and participants must maintain active property insurance to receive benefits.

Topics ✓ HousingSupports HousingBill funds grants to retrofit homes for weather resistance, protecting property value and safety for owner-occupied single-family residences.75% confidence

Sub-Topics Homeownership Property Taxes

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in committee · Michigan · House Aug 27, 2026

HB 6271: Individual income tax: credit; credit for permits associated with building a new single-family residential unit; provide for.

Michigan House Bill 6271 creates a new individual income tax credit for taxpayers who pay local building permit fees to construct a new single-family home. Starting with the 2027 tax year, eligible individuals can claim a credit equal to their actual permit costs, up to a maximum of $2,500 per year. The bill requires taxpayers to provide reasonable proof of these expenses to the state department if requested. If the total credit amount is greater than the taxpayer's annual income tax liability, the excess portion must be refunded to the taxpayer rather than being lost.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill creates a new individual income tax credit to reduce tax liability for homebuilders, providing direct fiscal relief and incentivizing construction.85% confidence ✓ HousingSupports HousingBill provides a tax credit to offset building permit costs for new single-family homes, incentivizing residential construction and housing development.75% confidence

Sub-Topics Income Tax Tax Credits Affordable Housing Building Codes Property Taxes

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in committee · Michigan · Senate Jul 15, 2026

SJR N: Individual income tax: income; surcharge on certain taxpayers and distribution of revenue attributable to the surcharge; provide for. Amends sec. 7, art. IX of the state constitution.

This bill proposes a constitutional amendment to add a new income tax surcharge for high-earning individuals in Michigan starting in 2027. The surcharge applies a 5% tax on income exceeding $500,000 for single filers or $1,000,000 for joint filers, with these thresholds automatically adjusted each year based on the national inflation rate. All money collected from this surcharge must be spent exclusively on pre-kindergarten through 12th-grade education, child care, health and human services, housing, and water infrastructure. The amendment requires voter approval at a general election to take effect and directs the legislature to create the necessary laws to implement the tax.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill increases revenue via a surcharge on high earners and mandates funding for education and essential services.95% confidence ✓ EducationSupports EducationBill mandates that all revenue from the new tax surcharge be spent exclusively on K-12 education, child care, and related services, directly increasing funding for schools.95% confidence ✓ HousingSupports HousingBill allocates surcharge revenue to housing and human services, potentially funding affordable housing initiatives.65% confidence

Sub-Topics Fees & Licensing Income Tax K-12 Education

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in committee · Michigan · House Jul 14, 2026

HB 6180: Financial institutions: mortgage brokers and lenders; consolidation of certain licensing statutes related to residential mortgages; make conforming changes in the Michigan zoning enabling act. Amends sec. 406 of 2006 PA 110 (MCL 125.3406). TIE BAR WITH: HB 6177'26

This bill amends Michigan zoning laws to allow cities to deny zoning permits to individuals who owe fines or court costs from administrative hearings. However, it creates an exemption for specific entities, including government housing agencies, financial institutions, and licensed mortgage servicers, preventing these groups from being blocked due to such delinquencies. The legislation also ensures that a permit cannot be denied if the applicant is trying to fix the specific blight issue that originally caused the unpaid fine. This change aims to prevent financial penalties from hindering the ability of regulated lenders and housing authorities to process necessary zoning requests.

Topics ✓ HousingSupports HousingBill exempts housing agencies and lenders from zoning denials due to unpaid fines, preventing barriers to housing development and protecting essential housing entities.85% confidence

Sub-Topics Community Development Mortgages Zoning

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in committee · Michigan · House Jul 14, 2026

HB 6177: Financial institutions: mortgage brokers and lenders; residential mortgage licensing and supervision act; establish. Creates new act & repeals (See bill).

HB 6177 establishes the Residential Mortgage Licensing and Supervision Act to create a comprehensive regulatory framework for mortgage brokers, lenders, servicers, and loan originators in Michigan. The bill mandates that these entities and their key personnel obtain state licenses while prohibiting specific unethical conduct related to residential loans. It empowers the Department of Insurance and Financial Services to enforce rules, impose penalties, and appoint conservators when necessary, and it creates a new advisory board to oversee the industry. Additionally, the legislation defines various roles and exemptions to clarify who must be licensed versus who is exempt from these requirements.

Topics ✓ HousingSupports HousingBill establishes a regulatory framework to prevent unethical conduct in residential loans, protecting consumers and stabilizing the housing market.85% confidence

Sub-Topics Mortgages

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in committee · Michigan · House Jul 14, 2026

HB 6192: Financial institutions: mortgage brokers and lenders; consolidation of certain licensing statutes related to residential mortgages; make conforming changes in the debt management act. Amends sec. 8a of 1975 PA 148 (MCL 451.418a). TIE BAR WITH: HB 6177'26

HB 6192 amends Michigan's Debt Management Act to strengthen the state director's authority to investigate and punish mortgage brokers and lenders who engage in fraud. The bill allows the director to issue immediate suspensions or permanent prohibitions against individuals found guilty of fraud, dishonesty, or felony convictions involving financial misconduct. It establishes a formal process where accused individuals receive written notice, have the right to a hearing within 60 days, and can apply to have an order lifted after five years. Additionally, the law clarifies that violating a final prohibition order is a misdemeanor punishable by up to one year in jail or a fine of $5,000. This legislation is tied to another bill, HB 6177, and will only become effective if that companion bill is also passed.

Topics ✓ Criminal JusticeSupports Criminal JusticeBill strengthens oversight and enforcement against financial fraud, protecting victims and enhancing accountability within the justice system.75% confidence ✓ HousingSupports HousingBill strengthens fraud enforcement for mortgage brokers, protecting consumers and promoting housing market integrity.75% confidence

Sub-Topics Corrections Mortgages

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in committee · Michigan · House Jul 14, 2026

HB 6179: Financial institutions: mortgage brokers and lenders; consolidation of certain licensing statutes related to residential mortgages; make conforming changes in the Stille-DeRossett-Hale single state construction code act. Amends sec. 9c of 1972 PA 230 (MCL 125.1509c). TIE BAR WITH: HB 6177'26

This bill allows cities in Michigan to deny building permits, certificates of use and occupancy, or variances to individuals who owe unpaid fines or assessments related to local construction code enforcement. However, the law explicitly exempts certain entities from these penalties, including government-sponsored housing groups, financial institutions, credit union service organizations, and licensed mortgage servicers. Additionally, the bill ensures that permits cannot be denied if the proposed construction work is intended to fix the specific code violation that caused the original fine. The legislation will only take effect if a companion bill, HB 6177, is also passed into law.

Topics ✗ HousingOpposes HousingBill restricts housing development by allowing permit denials for unpaid fines, though it exempts some entities.85% confidence

Sub-Topics Building Codes Mortgages

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in committee · Michigan · House Jul 14, 2026

HB 6186: Financial institutions: mortgage brokers and lenders; consolidation of certain licensing statutes related to residential mortgages; make conforming changes in 1966 PA 326. Amends sec. 1c of 1966 PA 326 (MCL 438.31c). TIE BAR WITH: HB 6177'26

HB 6186 amends Michigan's existing mortgage interest laws to clarify and update rules regarding rates and fees for residential loans. The bill primarily affects lenders, mortgage brokers, and borrowers by reinforcing restrictions on prepayment penalties, limiting upfront fees, and capping interest rates at 11% per annum for certain types of loans, such as those made by unqualified lenders or second mortgages. It also ensures that interest is calculated only on unpaid balances and prohibits interest from being added or deducted in advance. By updating the 1966 statute, the legislation aims to maintain consumer protections while aligning the law with current lending practices.

Topics ✓ HousingSupports HousingBill protects borrowers by capping interest rates and limiting fees, preventing predatory lending that threatens housing stability.85% confidence

Sub-Topics Mortgages

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in committee · Michigan · House Jun 24, 2026

HB 6120: Higher education: other; regulation of development of college- or university-owned land through local government zoning ordinance; provide for. Amends sec. 201 of 2006 PA 110 (MCL 125.3201).

This bill expands the authority of local governments to regulate land development on property owned by the University of Michigan. Specifically, it updates state law to allow municipalities to apply zoning rules to university land acquired on or after January 1, 2027. The legislation enables local units of government to control the location, size, and use of university buildings and structures to align with community needs for housing, industry, and public services. By extending existing zoning powers to future university acquisitions, the bill ensures that campus expansion can be managed alongside local planning goals.

Topics ✓ HousingSupports HousingBill explicitly empowers local governments to apply zoning rules to university land to align with community needs for housing, directly advancing housing policy goals.80% confidence

Sub-Topics Property Development Zoning

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