2025 House Bill 5254

Consumer credit: interest rates; maximum interest rate allowed for medical debt; modify.

A bill to amend 1976 PA 331, entitled “Michigan consumer protection act,” by amending section 3 (MCL 445.903), as amended by 2022 PA 152.

AI Analysis – Experimental

House Bills 5254 and 5255 strengthen consumer protections in Michigan by treating violations of the Medical Debt Protection Act as unfair trade practices under the Consumer Protection Act and by imposing strict limits, transparency requirements, and fair-treatment standards on interest, fees, and collection practices for medical debt.

Introduced in the House

Nov. 12, 2025

Introduced by Rep. Angela Rigas (R-79) and 14 co-sponsors

Co-sponsored by Reps. Laurie Pohutsky (D-17), Matt Koleszar (D-22), Kelly Breen (D-21), Regina Weiss (D-5), Stephanie Young (D-16), Natalie Price (D-6), Carol Glanville (D-84), Jason Morgan (D-23), Sharon MacDonell (D-56), Denise Mentzer (D-61), Julie Brixie (D-73), Helena Scott (D-8), Jimmie Wilson (D-32) and Tom Kunse (R-100)

Referred to the Committee on Health Policy

June 17, 2026

Reported without amendment

June 23, 2026

Amendment offered by Rep. Kelly Breen (D-21)

1. Amend page 10, following line 1, by inserting:

“Enacting section 2. This amendatory act does not take effect unless Senate Bill No. 134 of the 103rd Legislature is enacted into law.”.

The amendment failed by voice vote

Amendment offered by Rep. Jason Hoskins (D-18)

1. Amend page 10, following line 1, by inserting:

“Enacting section 2. This amendatory act does not take effect unless all of the following bills of the 103rd Legislature are enacted into law:

(a) House Bill No. 6102.

(b) House Bill No. 6103.

(c) House Bill No. 6104.”.

The amendment failed by voice vote

Amendment offered by Rep. Jennifer Conlin (D-48)

1. Amend page 10, following line 1, by inserting:

“Enacting section 2. This amendatory act does not take effect unless House Bill No. 6101 of the 103rd Legislature is enacted into law.”.

The amendment failed by voice vote

Amendment offered by Rep. Jason Morgan (D-23)

1. Amend page 10, following line 1, by inserting:

“Enacting section 2. This amendatory act does not take effect unless all of the following bills of the 103rd Legislature are enacted into law:

(a) House Bill No. 5222.

(b) House Bill No. 5223.

(c) House Bill No. 5224.”.

The amendment failed by voice vote

Amendment offered by Rep. Denise Mentzer (D-61)

1. Amend page 10, following line 1, by inserting:

“Enacting section 2. This amendatory act does not take effect unless all of the following bills of the 103rd Legislature are enacted into law:

(a) House Bill No. 4544.

(b) House Bill No. 4545.

(c) House Bill No. 4546.”.

The amendment failed by voice vote

Amendment offered by Rep. Mai Xiong (D-13)

1. Amend page 10, following line 1, by inserting:

“Enacting section 2. This amendatory act does not take effect unless Senate Bill No. 982 of the 103rd Legislature is enacted into law.”.

The amendment failed by voice vote

Amendment offered by Rep. Regina Weiss (D-5)

1. Amend page 10, following line 1, by inserting:

“Enacting section 2. This amendatory act does not take effect unless all of the following bills of the 103rd Legislature are enacted into law:

(a) House Bill No. 5996.

(b) House Bill No. 5997.

(c) House Bill No. 5998.

(d) House Bill No. 5999.”.

The amendment failed by voice vote

Amendment offered by Rep. Alabas Farhat (D-3)

1. Amend page 10, following line 1, by inserting:

“Enacting section 2. This amendatory act does not take effect unless Senate Bill No. 94 of the 103rd Legislature is enacted into law.”.

The amendment failed by voice vote

Amendment offered by Rep. Angela Rigas (R-79)

1. Amend page 9, line 28, by removing enacting section 1 and inserting:

“Enacting section 1. This amendatory act does not take effect unless all of the following bills of the 103rd Legislature are enacted into law:

(a) Senate Bill No. 95.

(b) House Bill No. 5255.”.

The amendment passed by voice vote

Passed in the House 99 to 7 (details)

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

The motion prevailed by voice vote

Received in the Senate

June 25, 2026

Referred to the Committee of the Whole