2025 House Bill 5046

Civil procedure: foreclosure; recording of deed; modify.

A bill to amend 1961 PA 236, entitled “Revised judicature act of 1961,” by amending sections 3232 and 3240 (MCL 600.3232 and 600.3240), section 3240 as amended by 2019 PA 130.

Official record

AI Analysis – Experimental

House Bill No. 5046 amends Michigan's foreclosure laws to clarify deed recording procedures, adjust when redemption periods begin, and refine how redemption amounts are calculated and paid, thereby enhancing transparency and fairness for property owners and purchasers.

Introduced in the House

Sept. 24, 2025

Introduced by Rep. Amos O’Neal (D-94) and 16 co-sponsors

Co-sponsored by Reps. Cynthia Neeley (D-70), Tonya Myers Phillips (D-7), Stephanie Young (D-16), Sharon MacDonell (D-56), Ron Robinson (R-58), Mike Mueller (R-72), Steve Frisbie (R-44), Mike Harris (R-52), Pat Outman (R-91), Kathy Schmaltz (R-46), Jerry Neyer (R-92), Helena Scott (D-8), John Roth (R-104), Ken Borton (R-105), Jason Woolford (R-50) and Bradley Slagh (R-85)

Referred to the Committee on Regulatory Reform

April 30, 2026

Reported with substitute H-1

June 23, 2026

Substitute H-1 concurred in by voice vote

June 24, 2026

Passed in the House 105 to 2 (details)

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

The motion prevailed by voice vote

Received in the Senate

July 1, 2026

Referred to the Committee on Local Government