2026 House Bill 5561

Consumer credit: collection practices; regulation of collection agencies in the occupational code; provide for exemption for certain earned wage access services.

A bill to amend 1980 PA 299, entitled “Occupational code,” by amending section 901 (MCL 339.901), as amended by 2016 PA 167.

Official record

AI Analysis – Experimental

House Bills 5558-5569 collectively establish a comprehensive regulatory framework for earned wage access services in Michigan by creating licensing and consumer protection standards while coordinating exemptions and updates across money transmission, lending, debt collection, garnishment, and usury laws to clarify oversight and ensure consistent treatment under related legislation.

Introduced in the House

Feb. 24, 2026

Introduced by Rep. Tullio Liberati (D-2) and 9 co-sponsors

Co-sponsored by Reps. Peter Herzberg (D-25), Will Snyder (D-87), Tyrone Carter (D-1), Gregory Alexander (R-98), Doug Wozniak (R-59), Matt Bierlein (R-97), Joe Tate (D-9), John Roth (R-104) and William Bruck (R-30)

Referred to the Committee on Regulatory Reform