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.

Official record

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