HB 4715 Michigan House · 2025-2026 Regular Session

Insurance: other; sharing of information concerning suspected or completed insurance fraud; allow. Amends sec. 4509 of 1956 PA 218 (MCL 500.4509).

HB 4715 protects individuals and entities that report suspected or confirmed insurance fraud from civil lawsuits, provided they act without malice and do not knowingly provide false information. It extends this immunity to insurers, their employees, private citizens cooperating with fraud investigations, and authorized agencies like the National Insurance Crime Bureau. The bill ensures those filing reports, sharing information, or testifying in fraud cases cannot be sued for libel, slander, or other civil claims related to their good-faith actions. This directly affects anyone involved in reporting or investigating insurance fraud within Michigan’s legal framework.
Bill status passed both 4 of 5 stages cleared
Introduction
Jul 2025
Committee Review
Sep 2025
House Passage
Sep 2025
Senate Passage
Sep 2025
Governor
Introduced Jul 1, 2025 Last action Sep 18, 2025
Maddy AI version diff · 1 comparison

What changed between versions

House Introduced Bill As Passed by the House · 1 edit · Sep 16, 2025
MINOR
The bill was reformatted and reorganized from its original introduction version to the version passed by the House. The substantive policy language regarding insurance fraud reporting privileges remains largely the same, though some formatting inconsistencies were corrected and line breaks were adjusted for readability.
TECHNICAL

The bill text was restructured and reformatted, likely to correct formatting errors from the original introduction version. The actual legal content regarding immunity for reporting insurance fraud appears unchanged in substance.

Floor votes · House Sep 16, 2025

How they voted

This bill passed the Senate by voice vote (no roll call recorded).
Full legislative history

Actions timeline

Total actions
13
Key actions
3
Committee
4
Sep 18, 2025
Committee
REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION
upper
Sep 18, 2025
Upper · Passed
PASSED BY HOUSE WITH IMMEDIATE EFFECT
upper
Sep 16, 2025
Lower · Passed
passed; given immediate effect Roll Call #208 Yeas 101 Nays 2 Excused 0 Not Voting 7
lower
Sep 3, 2025
Committee
referred to second reading
lower
Sep 3, 2025
Lower · Passed
reported with recommendation without amendment
lower
Jul 1, 2025
Committee
referred to Committee on Insurance
lower
Jul 1, 2025
Introduced
introduced by Representative Rep. Brenda Carter
lower
1 primary · 9 co-sponsors

Sponsors