2025 House Bill 4716

Insurance: other; penalties for fraudulent insurance acts; increase.

A bill to amend 1956 PA 218, entitled “The insurance code of 1956,” by amending section 4511 (MCL 500.4511), as added by 1995 PA 276.

Official record

AI Analysis – Experimental

House Bill No. 4714 & 4716 restructures penalties for insurance fraud in Michigan by introducing a tiered system based on the value and number of fraudulent claims, mandates restitution, and enhances regulatory oversight for practitioners and insurers found guilty.

Introduced in the House

July 1, 2025

Introduced by Rep. Mike McFall (D-14) and 9 co-sponsors

Co-sponsored by Reps. Brenda Carter (D-53), John Fitzgerald (D-83), Joe Tate (D-9), Morgan Foreman (D-33), Helena Scott (D-8), Sarah Lightner (R-45), Joseph Aragona (R-60), Ron Robinson (R-58) and Mike Harris (R-52)

Referred to the Committee on Insurance

Sept. 3, 2025

Reported without amendment

Sept. 16, 2025

Passed in the House 101 to 2 (details)

Motion to give immediate effect by Rep. Bryan Posthumus (R-90)

The motion prevailed by voice vote

Received in the Senate

Sept. 18, 2025

Referred to the Committee on Finance, Insurance, and Consumer Protection