SB 702 Michigan Senate · 2025-2026 Regular Session

Civil procedure: foreclosure; foreclosure or garnishment of wages for medical debt; prohibit. Creates new act. TIE BAR WITH: SB 0701'25

SB 702, the "Medical Debt Protection Act," limits how medical debt can be collected in Michigan. It prohibits interest or late fees for 90 days after a bill is due and caps annual interest at 3%. The bill bans wage garnishment, foreclosure, and other aggressive collection tactics for patients eligible for financial assistance under a healthcare facility’s policy. It also restricts selling medical debt to third parties without strict safeguards, requiring debt buyers to follow specific rules and return debt if a patient qualifies for financial help. The law directly affects patients with medical debt, large healthcare facilities, and medical debt collectors.

Bill status passed 3 of 5 stages cleared

Introduction

Nov 2025

Committee Review

Jun 2026

Senate Passage

Mar 2026

House Passage

Governor

Introduced Nov 6, 2025 Last action Jun 30, 2026

Maddy AI version diff · 2 comparisons

What changed between versions

As Passed by the Senate → Substitute (S-1) · 2 edits

MINOR

The bill text has been updated from the version passed by the Senate to a substitute version (S-1). The substantive policy language regarding medical debt protection remains unchanged, while the document's header and footer metadata have been modified.

TECHNICAL

The bill title block was reformatted to remove the 'As Passed Senate' date and version label, replacing it with the 'Substitute (S-1)' designation.

The tracking identifiers in the document footers were updated, changing the version code from '13wfgj' to 'yw35gz' and adjusting the spacing of the bill reference text.

Floor votes · Senate Mar 11, 2026

How they voted

36–0

Passed · 2 other

Total votes 38

Mar 11, 2026

D Democratic19

18 Yea 1

94% Yea

R Republican19

18 Yea 1

94% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Jun 17, 2026

Committee

referred to second reading

lower

Jun 17, 2026

Lower · Passed

reported with recommendation without amendment

lower

Mar 11, 2026

Committee

referred to Committee on Health Policy

lower

Mar 11, 2026

Introduced

received on 03/11/2026

lower

Mar 11, 2026

Upper · Passed

PASSED ROLL CALL # 28 YEAS 35 NAYS 0 EXCUSED 2 NOT VOTING 0

upper

Mar 10, 2026

Upper · Passed

SUBSTITUTE (S-1) CONCURRED IN

upper

Mar 10, 2026

Upper · Passed

REPORTED BY COMMITTEE OF THE WHOLE FAVORABLY WITH SUBSTITUTE (S-1)

upper

Mar 5, 2026

Committee

REFERRED TO COMMITTEE OF THE WHOLE

upper

Mar 5, 2026

Upper · Passed

REPORTED FAVORABLY WITHOUT AMENDMENT 3/4/2026

upper

Nov 6, 2025

Committee

REFERRED TO COMMITTEE ON FINANCE, INSURANCE, AND CONSUMER PROTECTION

upper

Nov 6, 2025

Introduced

INTRODUCED BY SENATOR SARAH ANTHONY

upper

1 primary · 4 co-sponsors