Housing

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 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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in committee · Michigan · House Jun 24, 2026

HJR X: Higher education: state universities; exemption from local control, local input, and local zoning laws; eliminate. Amends sec. 5, art. VIII of the state constitution.

This bill proposes a change to the state constitution to require the University of Michigan to follow local zoning laws and ordinances for any land it acquires on or after January 1, 2027. Currently, the university operates with significant autonomy over its property, but this amendment would shift that authority to local governments for future land purchases. The rule applies specifically to the Regents of the University of Michigan and does not affect other state universities like Michigan State or Wayne State. If passed by voters, the change would ensure that new university campuses align with the planning rules of the cities or counties where they are built.

Topics ✓ HousingSupports HousingBill requires university to follow local zoning laws, preventing autonomy that could restrict local housing development and planning.85% confidence

Sub-Topics Zoning Tags Local Government

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in committee · Michigan · Senate Jun 18, 2026

SB 1045: Individual income tax: property tax credit; owner and eligibility of a homestead placed in certain trusts; clarify. Amends sec. 510 of 1967 PA 281 (MCL 206.510).

SB 1045 clarifies the definition of "owner" for Michigan's homestead property tax credit by explicitly including individuals who place their primary residence into a revocable trust or a qualified personal residence trust. This change ensures that people using these specific types of trusts to hold their homes can still qualify for the tax credit, which is designed to help offset property taxes for homeowners. The bill amends the state's income tax act to update this eligibility rule without altering other parts of the tax code or the credit amount itself.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill clarifies eligibility for the homestead property tax credit, ensuring homeowners using trusts receive tax relief and protecting state revenue stability.90% confidence ✓ HousingSupports HousingBill clarifies eligibility for property tax credits, protecting homeowners' financial benefits and supporting housing stability.85% confidence

Sub-Topics Income Tax Property Tax Tax Credits Property Taxes

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signed · Michigan · House Jul 29, 2026

HB 6074: Property: land sales; purchase of residential property by certain businesses; prohibit. Creates new act.

This bill prohibits large institutional investors from buying single-family homes in Michigan to prevent corporate ownership of residential properties. It defines these investors as for-profit entities managing or owning over 100 homes statewide with at least $375 million in assets, while allowing exceptions for new construction projects or those that renovate homes with significant improvements. The law applies to various acquisition methods, including mergers and foreclosures, and sets a civil penalty of up to $25,000 per home for any violations.

Topics ✓ HousingSupports HousingBill restricts corporate ownership of single-family homes to prevent displacement and promote local housing stability.85% confidence

passed · Michigan · Senate Jun 25, 2026

SB 1041: Housing: public accommodations; excessively increased pricing in hotel and lodging industry during a declared state of emergency; prohibit. Creates new act. TIE BAR WITH: SB 1042'26, SB 1043'26

This bill creates the Hotel and Lodging Pricing Protection Act to stop businesses from raising room rates by more than 20% during a declared state of emergency unless they can prove the increase is due to higher costs or pre-existing contracts. The law applies to hotels, bed and breakfasts, campgrounds, and short-term rentals like Airbnb, but excludes large resort-managed units. It allows prosecutors to investigate violations by issuing legal demands for documents and testimony, with courts empowered to enforce compliance if the investigation is deemed proper.

Topics ✓ HousingSupports HousingBill prevents excessive price gouging in lodging during emergencies, protecting consumers and maintaining affordability.90% confidence

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in committee · Michigan · House Jun 17, 2026

HB 6086: Housing: landlord and tenants; purchase of rental property by tenants; provide for. Creates new act.

This bill, known as the Tenant Opportunity to Purchase Act, would allow tenants in Michigan to get the first chance to buy their rental homes or apartments before the landlord sells them to someone else. It requires landlords to offer the property to tenants at a price and terms that are at least as good as what a third-party buyer would get, or comparable to the property's appraised value if no other offer exists. The law applies to various types of rental units, including apartments and single-family homes, but excludes hotels, motels, and vacation rentals. Tenants can exercise this right individually or by forming an association representing a majority of the tenants in the building.

Topics ✓ HousingSupports HousingBill strengthens tenant protections by granting first right of refusal to purchase rental properties, preventing displacement and promoting housing stability.95% confidence

Sub-Topics Homeownership Landlords Tenant Rights

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